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$28,642
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,533
−HK$905/mo
Today · 4.125%
HK$30,438
baseline
▲ 0.50% · 4.625%
HK$32,290
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,876/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,864
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,718
−HK$867/mo
Today · 4.125%
HK$33,585
baseline
▲ 0.50% · 4.625%
HK$35,355
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,170/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,370
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,439
−HK$1,086/mo
Today · 4.125%
HK$36,525
baseline
▲ 0.50% · 4.625%
HK$38,748
+HK$2,223/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$73,050/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,236
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,262
−HK$1,040/mo
Today · 4.125%
HK$40,302
baseline
▲ 0.50% · 4.625%
HK$42,426
+HK$2,124/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$80,604/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,098
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,346
−HK$1,267/mo
Today · 4.125%
HK$42,613
baseline
▲ 0.50% · 4.625%
HK$45,206
+HK$2,593/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,226/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,609
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,805
−HK$1,214/mo
Today · 4.125%
HK$47,019
baseline
▲ 0.50% · 4.625%
HK$49,498
+HK$2,479/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,038/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,555
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,159
−HK$1,629/mo
Today · 4.125%
HK$54,788
baseline
▲ 0.50% · 4.625%
HK$58,122
+HK$3,334/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,576/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,354
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,893
−HK$1,560/mo
Today · 4.125%
HK$60,453
baseline
▲ 0.50% · 4.625%
HK$63,640
+HK$3,187/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,906/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,028 · Scale 2, in force from 26 Feb 2026)