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$28,704
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,597
−HK$907/mo
Today · 4.125%
HK$30,504
baseline
▲ 0.50% · 4.625%
HK$32,360
+HK$1,856/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$61,008/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,933
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,789
−HK$869/mo
Today · 4.125%
HK$33,658
baseline
▲ 0.50% · 4.625%
HK$35,432
+HK$1,774/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,316/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,445
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,516
−HK$1,089/mo
Today · 4.125%
HK$36,605
baseline
▲ 0.50% · 4.625%
HK$38,832
+HK$2,227/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$73,210/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,319
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,347
−HK$1,043/mo
Today · 4.125%
HK$40,390
baseline
▲ 0.50% · 4.625%
HK$42,519
+HK$2,129/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$80,780/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,185
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,435
−HK$1,270/mo
Today · 4.125%
HK$42,705
baseline
▲ 0.50% · 4.625%
HK$45,304
+HK$2,599/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,410/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,706
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,905
−HK$1,216/mo
Today · 4.125%
HK$47,121
baseline
▲ 0.50% · 4.625%
HK$49,605
+HK$2,484/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,242/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,667
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,274
−HK$1,633/mo
Today · 4.125%
HK$54,907
baseline
▲ 0.50% · 4.625%
HK$58,248
+HK$3,341/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,814/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,479
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,020
−HK$1,564/mo
Today · 4.125%
HK$60,584
baseline
▲ 0.50% · 4.625%
HK$63,778
+HK$3,194/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,168/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,050 · Scale 2, in force from 26 Feb 2026)