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$28,716
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,610
−HK$907/mo
Today · 4.125%
HK$30,517
baseline
▲ 0.50% · 4.625%
HK$32,374
+HK$1,857/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,034/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,947
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,803
−HK$870/mo
Today · 4.125%
HK$33,673
baseline
▲ 0.50% · 4.625%
HK$35,448
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,346/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,460
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,532
−HK$1,089/mo
Today · 4.125%
HK$36,621
baseline
▲ 0.50% · 4.625%
HK$38,849
+HK$2,228/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,242/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,336
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,364
−HK$1,043/mo
Today · 4.125%
HK$40,407
baseline
▲ 0.50% · 4.625%
HK$42,537
+HK$2,130/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,814/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,203
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,453
−HK$1,271/mo
Today · 4.125%
HK$42,724
baseline
▲ 0.50% · 4.625%
HK$45,324
+HK$2,600/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,448/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,725
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,925
−HK$1,217/mo
Today · 4.125%
HK$47,142
baseline
▲ 0.50% · 4.625%
HK$49,627
+HK$2,485/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,284/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,689
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,297
−HK$1,634/mo
Today · 4.125%
HK$54,931
baseline
▲ 0.50% · 4.625%
HK$58,273
+HK$3,342/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,862/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,504
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,046
−HK$1,565/mo
Today · 4.125%
HK$60,611
baseline
▲ 0.50% · 4.625%
HK$63,806
+HK$3,195/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,222/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,256 · Scale 2, in force from 26 Feb 2026)