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$28,669
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,560
−HK$907/mo
Today · 4.125%
HK$30,467
baseline
▲ 0.50% · 4.625%
HK$32,320
+HK$1,853/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,934/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,894
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,749
−HK$868/mo
Today · 4.125%
HK$33,617
baseline
▲ 0.50% · 4.625%
HK$35,389
+HK$1,772/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,234/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,402
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,473
−HK$1,087/mo
Today · 4.125%
HK$36,560
baseline
▲ 0.50% · 4.625%
HK$38,784
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,120/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,272
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,299
−HK$1,041/mo
Today · 4.125%
HK$40,340
baseline
▲ 0.50% · 4.625%
HK$42,467
+HK$2,127/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,680/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,136
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,385
−HK$1,268/mo
Today · 4.125%
HK$42,653
baseline
▲ 0.50% · 4.625%
HK$45,248
+HK$2,595/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,306/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,651
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,849
−HK$1,215/mo
Today · 4.125%
HK$47,064
baseline
▲ 0.50% · 4.625%
HK$49,544
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,128/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,604
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,209
−HK$1,631/mo
Today · 4.125%
HK$54,840
baseline
▲ 0.50% · 4.625%
HK$58,177
+HK$3,337/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,680/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,409
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,948
−HK$1,562/mo
Today · 4.125%
HK$60,510
baseline
▲ 0.50% · 4.625%
HK$63,700
+HK$3,190/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,020/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,473 · Scale 2, in force from 26 Feb 2026)