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$28,680
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,572
−HK$907/mo
Today · 4.125%
HK$30,479
baseline
▲ 0.50% · 4.625%
HK$32,333
+HK$1,854/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,958/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,907
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,762
−HK$868/mo
Today · 4.125%
HK$33,630
baseline
▲ 0.50% · 4.625%
HK$35,403
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,260/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,416
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,487
−HK$1,088/mo
Today · 4.125%
HK$36,575
baseline
▲ 0.50% · 4.625%
HK$38,800
+HK$2,225/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,150/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,288
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,315
−HK$1,042/mo
Today · 4.125%
HK$40,357
baseline
▲ 0.50% · 4.625%
HK$42,484
+HK$2,127/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,714/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,153
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,401
−HK$1,269/mo
Today · 4.125%
HK$42,670
baseline
▲ 0.50% · 4.625%
HK$45,267
+HK$2,597/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,340/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,669
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,867
−HK$1,216/mo
Today · 4.125%
HK$47,083
baseline
▲ 0.50% · 4.625%
HK$49,564
+HK$2,481/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,166/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,625
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,230
−HK$1,632/mo
Today · 4.125%
HK$54,862
baseline
▲ 0.50% · 4.625%
HK$58,200
+HK$3,338/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,724/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,432
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,972
−HK$1,563/mo
Today · 4.125%
HK$60,535
baseline
▲ 0.50% · 4.625%
HK$63,726
+HK$3,191/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,070/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,664 · Scale 2, in force from 26 Feb 2026)