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$28,688
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,580
−HK$907/mo
Today · 4.125%
HK$30,487
baseline
▲ 0.50% · 4.625%
HK$32,342
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,974/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,915
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,771
−HK$868/mo
Today · 4.125%
HK$33,639
baseline
▲ 0.50% · 4.625%
HK$35,412
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,278/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,425
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,496
−HK$1,088/mo
Today · 4.125%
HK$36,584
baseline
▲ 0.50% · 4.625%
HK$38,810
+HK$2,226/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,168/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,298
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,325
−HK$1,042/mo
Today · 4.125%
HK$40,367
baseline
▲ 0.50% · 4.625%
HK$42,494
+HK$2,127/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,734/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,163
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,412
−HK$1,269/mo
Today · 4.125%
HK$42,681
baseline
▲ 0.50% · 4.625%
HK$45,278
+HK$2,597/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$85,362/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,680
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,879
−HK$1,215/mo
Today · 4.125%
HK$47,094
baseline
▲ 0.50% · 4.625%
HK$49,577
+HK$2,483/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$94,188/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,638
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,244
−HK$1,632/mo
Today · 4.125%
HK$54,876
baseline
▲ 0.50% · 4.625%
HK$58,215
+HK$3,339/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,752/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,446
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,987
−HK$1,563/mo
Today · 4.125%
HK$60,550
baseline
▲ 0.50% · 4.625%
HK$63,742
+HK$3,192/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,100/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,782 · Scale 2, in force from 26 Feb 2026)