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$28,667
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,559
−HK$906/mo
Today · 4.125%
HK$30,465
baseline
▲ 0.50% · 4.625%
HK$32,319
+HK$1,854/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,930/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,892
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,747
−HK$868/mo
Today · 4.125%
HK$33,615
baseline
▲ 0.50% · 4.625%
HK$35,387
+HK$1,772/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,230/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,401
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,471
−HK$1,087/mo
Today · 4.125%
HK$36,558
baseline
▲ 0.50% · 4.625%
HK$38,782
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,116/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,270
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,297
−HK$1,041/mo
Today · 4.125%
HK$40,338
baseline
▲ 0.50% · 4.625%
HK$42,464
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,676/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,134
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,382
−HK$1,269/mo
Today · 4.125%
HK$42,651
baseline
▲ 0.50% · 4.625%
HK$45,246
+HK$2,595/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,302/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,649
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,846
−HK$1,215/mo
Today · 4.125%
HK$47,061
baseline
▲ 0.50% · 4.625%
HK$49,542
+HK$2,481/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,122/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,601
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,206
−HK$1,631/mo
Today · 4.125%
HK$54,837
baseline
▲ 0.50% · 4.625%
HK$58,174
+HK$3,337/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,674/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,406
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,945
−HK$1,562/mo
Today · 4.125%
HK$60,507
baseline
▲ 0.50% · 4.625%
HK$63,696
+HK$3,189/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$121,014/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,448 · Scale 2, in force from 26 Feb 2026)