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$28,705
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,598
−HK$907/mo
Today · 4.125%
HK$30,505
baseline
▲ 0.50% · 4.625%
HK$32,361
+HK$1,856/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$61,010/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,934
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,790
−HK$869/mo
Today · 4.125%
HK$33,659
baseline
▲ 0.50% · 4.625%
HK$35,434
+HK$1,775/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,318/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,446
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,517
−HK$1,089/mo
Today · 4.125%
HK$36,606
baseline
▲ 0.50% · 4.625%
HK$38,833
+HK$2,227/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$73,212/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,321
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,349
−HK$1,042/mo
Today · 4.125%
HK$40,391
baseline
▲ 0.50% · 4.625%
HK$42,520
+HK$2,129/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$80,782/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,187
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,437
−HK$1,270/mo
Today · 4.125%
HK$42,707
baseline
▲ 0.50% · 4.625%
HK$45,306
+HK$2,599/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,414/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,708
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,907
−HK$1,216/mo
Today · 4.125%
HK$47,123
baseline
▲ 0.50% · 4.625%
HK$49,607
+HK$2,484/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,246/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,669
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,276
−HK$1,633/mo
Today · 4.125%
HK$54,909
baseline
▲ 0.50% · 4.625%
HK$58,250
+HK$3,341/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,818/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,481
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,023
−HK$1,564/mo
Today · 4.125%
HK$60,587
baseline
▲ 0.50% · 4.625%
HK$63,780
+HK$3,193/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,174/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,069 · Scale 2, in force from 26 Feb 2026)