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$28,686
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,578
−HK$907/mo
Today · 4.125%
HK$30,485
baseline
▲ 0.50% · 4.625%
HK$32,340
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,970/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,913
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,769
−HK$868/mo
Today · 4.125%
HK$33,637
baseline
▲ 0.50% · 4.625%
HK$35,410
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,274/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,423
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,494
−HK$1,088/mo
Today · 4.125%
HK$36,582
baseline
▲ 0.50% · 4.625%
HK$38,808
+HK$2,226/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,164/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,296
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,323
−HK$1,042/mo
Today · 4.125%
HK$40,365
baseline
▲ 0.50% · 4.625%
HK$42,492
+HK$2,127/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,730/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,160
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,410
−HK$1,269/mo
Today · 4.125%
HK$42,679
baseline
▲ 0.50% · 4.625%
HK$45,276
+HK$2,597/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$85,358/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,678
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,876
−HK$1,216/mo
Today · 4.125%
HK$47,092
baseline
▲ 0.50% · 4.625%
HK$49,574
+HK$2,482/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$94,184/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,635
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,241
−HK$1,632/mo
Today · 4.125%
HK$54,873
baseline
▲ 0.50% · 4.625%
HK$58,212
+HK$3,339/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,746/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,443
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,984
−HK$1,563/mo
Today · 4.125%
HK$60,547
baseline
▲ 0.50% · 4.625%
HK$63,738
+HK$3,191/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,094/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,757 · Scale 2, in force from 26 Feb 2026)