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$28,707
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,600
−HK$907/mo
Today · 4.125%
HK$30,507
baseline
▲ 0.50% · 4.625%
HK$32,364
+HK$1,857/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$61,014/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,936
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,793
−HK$869/mo
Today · 4.125%
HK$33,662
baseline
▲ 0.50% · 4.625%
HK$35,436
+HK$1,774/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,324/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,449
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,520
−HK$1,089/mo
Today · 4.125%
HK$36,609
baseline
▲ 0.50% · 4.625%
HK$38,836
+HK$2,227/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$73,218/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,324
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,351
−HK$1,043/mo
Today · 4.125%
HK$40,394
baseline
▲ 0.50% · 4.625%
HK$42,523
+HK$2,129/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$80,788/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,190
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,440
−HK$1,270/mo
Today · 4.125%
HK$42,710
baseline
▲ 0.50% · 4.625%
HK$45,309
+HK$2,599/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,420/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,711
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,910
−HK$1,216/mo
Today · 4.125%
HK$47,126
baseline
▲ 0.50% · 4.625%
HK$49,611
+HK$2,485/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,252/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,673
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,280
−HK$1,633/mo
Today · 4.125%
HK$54,913
baseline
▲ 0.50% · 4.625%
HK$58,254
+HK$3,341/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,826/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,485
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,027
−HK$1,564/mo
Today · 4.125%
HK$60,591
baseline
▲ 0.50% · 4.625%
HK$63,785
+HK$3,194/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,182/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,103 · Scale 2, in force from 26 Feb 2026)