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$28,748
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,642
−HK$908/mo
Today · 4.125%
HK$30,550
baseline
▲ 0.50% · 4.625%
HK$32,409
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,100/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,981
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,839
−HK$870/mo
Today · 4.125%
HK$33,709
baseline
▲ 0.50% · 4.625%
HK$35,486
+HK$1,777/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,418/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,497
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,570
−HK$1,090/mo
Today · 4.125%
HK$36,660
baseline
▲ 0.50% · 4.625%
HK$38,891
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,320/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,378
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,407
−HK$1,044/mo
Today · 4.125%
HK$40,451
baseline
▲ 0.50% · 4.625%
HK$42,583
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,902/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,247
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,499
−HK$1,271/mo
Today · 4.125%
HK$42,770
baseline
▲ 0.50% · 4.625%
HK$45,373
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,540/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,774
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,975
−HK$1,218/mo
Today · 4.125%
HK$47,193
baseline
▲ 0.50% · 4.625%
HK$49,681
+HK$2,488/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,386/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,746
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,355
−HK$1,636/mo
Today · 4.125%
HK$54,991
baseline
▲ 0.50% · 4.625%
HK$58,337
+HK$3,346/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$109,982/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,567
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,110
−HK$1,567/mo
Today · 4.125%
HK$60,677
baseline
▲ 0.50% · 4.625%
HK$63,875
+HK$3,198/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,354/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,769 · Scale 2, in force from 26 Feb 2026)