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$28,659
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,550
−HK$906/mo
Today · 4.125%
HK$30,456
baseline
▲ 0.50% · 4.625%
HK$32,309
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,912/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,883
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,738
−HK$867/mo
Today · 4.125%
HK$33,605
baseline
▲ 0.50% · 4.625%
HK$35,377
+HK$1,772/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,210/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,391
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,460
−HK$1,087/mo
Today · 4.125%
HK$36,547
baseline
▲ 0.50% · 4.625%
HK$38,771
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,094/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,259
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,285
−HK$1,041/mo
Today · 4.125%
HK$40,326
baseline
▲ 0.50% · 4.625%
HK$42,452
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,652/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,122
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,370
−HK$1,268/mo
Today · 4.125%
HK$42,638
baseline
▲ 0.50% · 4.625%
HK$45,233
+HK$2,595/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,276/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,636
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,833
−HK$1,214/mo
Today · 4.125%
HK$47,047
baseline
▲ 0.50% · 4.625%
HK$49,527
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,094/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,586
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,191
−HK$1,630/mo
Today · 4.125%
HK$54,821
baseline
▲ 0.50% · 4.625%
HK$58,157
+HK$3,336/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,642/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,389
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,928
−HK$1,561/mo
Today · 4.125%
HK$60,489
baseline
▲ 0.50% · 4.625%
HK$63,678
+HK$3,189/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,978/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,311 · Scale 2, in force from 26 Feb 2026)