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$28,728
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,622
−HK$908/mo
Today · 4.125%
HK$30,530
baseline
▲ 0.50% · 4.625%
HK$32,387
+HK$1,857/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,060/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,960
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,817
−HK$870/mo
Today · 4.125%
HK$33,687
baseline
▲ 0.50% · 4.625%
HK$35,462
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,374/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,474
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,546
−HK$1,090/mo
Today · 4.125%
HK$36,636
baseline
▲ 0.50% · 4.625%
HK$38,865
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,272/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,352
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,380
−HK$1,044/mo
Today · 4.125%
HK$40,424
baseline
▲ 0.50% · 4.625%
HK$42,555
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,848/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,220
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,471
−HK$1,271/mo
Today · 4.125%
HK$42,742
baseline
▲ 0.50% · 4.625%
HK$45,342
+HK$2,600/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,484/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,744
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,944
−HK$1,217/mo
Today · 4.125%
HK$47,161
baseline
▲ 0.50% · 4.625%
HK$49,647
+HK$2,486/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,322/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,711
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,319
−HK$1,635/mo
Today · 4.125%
HK$54,954
baseline
▲ 0.50% · 4.625%
HK$58,297
+HK$3,343/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,908/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,528
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,071
−HK$1,565/mo
Today · 4.125%
HK$60,636
baseline
▲ 0.50% · 4.625%
HK$63,832
+HK$3,196/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,272/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,451 · Scale 2, in force from 26 Feb 2026)