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$28,662
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,554
−HK$906/mo
Today · 4.125%
HK$30,460
baseline
▲ 0.50% · 4.625%
HK$32,313
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,920/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,886
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,742
−HK$867/mo
Today · 4.125%
HK$33,609
baseline
▲ 0.50% · 4.625%
HK$35,381
+HK$1,772/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,218/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,395
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,465
−HK$1,087/mo
Today · 4.125%
HK$36,552
baseline
▲ 0.50% · 4.625%
HK$38,776
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,104/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,264
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,290
−HK$1,041/mo
Today · 4.125%
HK$40,331
baseline
▲ 0.50% · 4.625%
HK$42,457
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,662/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,127
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,375
−HK$1,268/mo
Today · 4.125%
HK$42,643
baseline
▲ 0.50% · 4.625%
HK$45,238
+HK$2,595/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,286/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,641
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,838
−HK$1,215/mo
Today · 4.125%
HK$47,053
baseline
▲ 0.50% · 4.625%
HK$49,533
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,106/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,592
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,197
−HK$1,630/mo
Today · 4.125%
HK$54,827
baseline
▲ 0.50% · 4.625%
HK$58,163
+HK$3,336/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,654/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,396
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,935
−HK$1,561/mo
Today · 4.125%
HK$60,496
baseline
▲ 0.50% · 4.625%
HK$63,685
+HK$3,189/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,992/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,366 · Scale 2, in force from 26 Feb 2026)