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$28,658
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,549
−HK$906/mo
Today · 4.125%
HK$30,455
baseline
▲ 0.50% · 4.625%
HK$32,308
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,910/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,881
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,736
−HK$868/mo
Today · 4.125%
HK$33,604
baseline
▲ 0.50% · 4.625%
HK$35,375
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,208/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,389
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,459
−HK$1,087/mo
Today · 4.125%
HK$36,546
baseline
▲ 0.50% · 4.625%
HK$38,769
+HK$2,223/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,092/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,258
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,284
−HK$1,041/mo
Today · 4.125%
HK$40,325
baseline
▲ 0.50% · 4.625%
HK$42,450
+HK$2,125/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,650/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,121
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,369
−HK$1,268/mo
Today · 4.125%
HK$42,637
baseline
▲ 0.50% · 4.625%
HK$45,231
+HK$2,594/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,274/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,634
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,831
−HK$1,214/mo
Today · 4.125%
HK$47,045
baseline
▲ 0.50% · 4.625%
HK$49,525
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,090/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,584
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,188
−HK$1,631/mo
Today · 4.125%
HK$54,819
baseline
▲ 0.50% · 4.625%
HK$58,154
+HK$3,335/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,638/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,387
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,926
−HK$1,561/mo
Today · 4.125%
HK$60,487
baseline
▲ 0.50% · 4.625%
HK$63,675
+HK$3,188/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,974/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,291 · Scale 2, in force from 26 Feb 2026)