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$28,709
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,602
−HK$907/mo
Today · 4.125%
HK$30,509
baseline
▲ 0.50% · 4.625%
HK$32,365
+HK$1,856/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,018/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,938
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,795
−HK$869/mo
Today · 4.125%
HK$33,664
baseline
▲ 0.50% · 4.625%
HK$35,438
+HK$1,774/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,328/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,450
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,522
−HK$1,089/mo
Today · 4.125%
HK$36,611
baseline
▲ 0.50% · 4.625%
HK$38,838
+HK$2,227/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$73,222/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,326
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,354
−HK$1,042/mo
Today · 4.125%
HK$40,396
baseline
▲ 0.50% · 4.625%
HK$42,526
+HK$2,130/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$80,792/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,192
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,442
−HK$1,270/mo
Today · 4.125%
HK$42,712
baseline
▲ 0.50% · 4.625%
HK$45,311
+HK$2,599/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,424/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,713
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,912
−HK$1,217/mo
Today · 4.125%
HK$47,129
baseline
▲ 0.50% · 4.625%
HK$49,613
+HK$2,484/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,258/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,676
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,283
−HK$1,633/mo
Today · 4.125%
HK$54,916
baseline
▲ 0.50% · 4.625%
HK$58,258
+HK$3,342/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,832/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,489
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,030
−HK$1,564/mo
Today · 4.125%
HK$60,594
baseline
▲ 0.50% · 4.625%
HK$63,788
+HK$3,194/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,188/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,129 · Scale 2, in force from 26 Feb 2026)