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$28,728
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,621
−HK$908/mo
Today · 4.125%
HK$30,529
baseline
▲ 0.50% · 4.625%
HK$32,387
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,058/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,959
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,816
−HK$870/mo
Today · 4.125%
HK$33,686
baseline
▲ 0.50% · 4.625%
HK$35,461
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,372/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,473
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,545
−HK$1,090/mo
Today · 4.125%
HK$36,635
baseline
▲ 0.50% · 4.625%
HK$38,864
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,270/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,351
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,379
−HK$1,044/mo
Today · 4.125%
HK$40,423
baseline
▲ 0.50% · 4.625%
HK$42,554
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,846/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,219
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,470
−HK$1,271/mo
Today · 4.125%
HK$42,741
baseline
▲ 0.50% · 4.625%
HK$45,341
+HK$2,600/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,482/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,743
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,943
−HK$1,217/mo
Today · 4.125%
HK$47,160
baseline
▲ 0.50% · 4.625%
HK$49,646
+HK$2,486/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,320/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,710
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,318
−HK$1,634/mo
Today · 4.125%
HK$54,952
baseline
▲ 0.50% · 4.625%
HK$58,296
+HK$3,344/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,904/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,526
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,069
−HK$1,565/mo
Today · 4.125%
HK$60,634
baseline
▲ 0.50% · 4.625%
HK$63,830
+HK$3,196/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,268/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,439 · Scale 2, in force from 26 Feb 2026)