The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$28,708
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,601
−HK$907/mo
Today · 4.125%
HK$30,508
baseline
▲ 0.50% · 4.625%
HK$32,364
+HK$1,856/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$61,016/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,937
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,794
−HK$869/mo
Today · 4.125%
HK$33,663
baseline
▲ 0.50% · 4.625%
HK$35,437
+HK$1,774/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,326/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,449
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,521
−HK$1,089/mo
Today · 4.125%
HK$36,610
baseline
▲ 0.50% · 4.625%
HK$38,837
+HK$2,227/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$73,220/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,325
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,352
−HK$1,043/mo
Today · 4.125%
HK$40,395
baseline
▲ 0.50% · 4.625%
HK$42,524
+HK$2,129/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$80,790/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,191
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,441
−HK$1,270/mo
Today · 4.125%
HK$42,711
baseline
▲ 0.50% · 4.625%
HK$45,310
+HK$2,599/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,422/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,712
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,911
−HK$1,217/mo
Today · 4.125%
HK$47,128
baseline
▲ 0.50% · 4.625%
HK$49,612
+HK$2,484/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,256/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,674
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,281
−HK$1,634/mo
Today · 4.125%
HK$54,915
baseline
▲ 0.50% · 4.625%
HK$58,256
+HK$3,341/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,830/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,487
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,029
−HK$1,564/mo
Today · 4.125%
HK$60,593
baseline
▲ 0.50% · 4.625%
HK$63,787
+HK$3,194/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,186/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,116 · Scale 2, in force from 26 Feb 2026)