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$28,663
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,555
−HK$906/mo
Today · 4.125%
HK$30,461
baseline
▲ 0.50% · 4.625%
HK$32,314
+HK$1,853/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,922/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,888
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,743
−HK$867/mo
Today · 4.125%
HK$33,610
baseline
▲ 0.50% · 4.625%
HK$35,382
+HK$1,772/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,220/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,396
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,466
−HK$1,087/mo
Today · 4.125%
HK$36,553
baseline
▲ 0.50% · 4.625%
HK$38,777
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,106/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,265
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,291
−HK$1,041/mo
Today · 4.125%
HK$40,332
baseline
▲ 0.50% · 4.625%
HK$42,458
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,664/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,129
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,377
−HK$1,268/mo
Today · 4.125%
HK$42,645
baseline
▲ 0.50% · 4.625%
HK$45,240
+HK$2,595/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,290/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,643
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,840
−HK$1,215/mo
Today · 4.125%
HK$47,055
baseline
▲ 0.50% · 4.625%
HK$49,535
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,110/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,594
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,199
−HK$1,630/mo
Today · 4.125%
HK$54,829
baseline
▲ 0.50% · 4.625%
HK$58,166
+HK$3,337/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,658/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,398
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,937
−HK$1,562/mo
Today · 4.125%
HK$60,499
baseline
▲ 0.50% · 4.625%
HK$63,688
+HK$3,189/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,998/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,383 · Scale 2, in force from 26 Feb 2026)