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$28,627
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,517
−HK$905/mo
Today · 4.125%
HK$30,422
baseline
▲ 0.50% · 4.625%
HK$32,273
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,844/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,847
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,701
−HK$867/mo
Today · 4.125%
HK$33,568
baseline
▲ 0.50% · 4.625%
HK$35,337
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,136/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,352
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,421
−HK$1,085/mo
Today · 4.125%
HK$36,506
baseline
▲ 0.50% · 4.625%
HK$38,728
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,012/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,216
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,241
−HK$1,040/mo
Today · 4.125%
HK$40,281
baseline
▲ 0.50% · 4.625%
HK$42,404
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,562/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,077
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,324
−HK$1,267/mo
Today · 4.125%
HK$42,591
baseline
▲ 0.50% · 4.625%
HK$45,182
+HK$2,591/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,182/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,586
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,781
−HK$1,214/mo
Today · 4.125%
HK$46,995
baseline
▲ 0.50% · 4.625%
HK$49,472
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,990/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,528
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,131
−HK$1,628/mo
Today · 4.125%
HK$54,759
baseline
▲ 0.50% · 4.625%
HK$58,091
+HK$3,332/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,518/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,324
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,862
−HK$1,560/mo
Today · 4.125%
HK$60,422
baseline
▲ 0.50% · 4.625%
HK$63,606
+HK$3,184/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,844/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,781 · Scale 2, in force from 26 Feb 2026)