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$28,681
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,574
−HK$906/mo
Today · 4.125%
HK$30,480
baseline
▲ 0.50% · 4.625%
HK$32,335
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,960/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,908
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,764
−HK$868/mo
Today · 4.125%
HK$33,632
baseline
▲ 0.50% · 4.625%
HK$35,404
+HK$1,772/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,264/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,418
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,488
−HK$1,088/mo
Today · 4.125%
HK$36,576
baseline
▲ 0.50% · 4.625%
HK$38,802
+HK$2,226/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,152/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,289
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,316
−HK$1,042/mo
Today · 4.125%
HK$40,358
baseline
▲ 0.50% · 4.625%
HK$42,485
+HK$2,127/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,716/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,154
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,403
−HK$1,269/mo
Today · 4.125%
HK$42,672
baseline
▲ 0.50% · 4.625%
HK$45,268
+HK$2,596/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,344/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,671
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,869
−HK$1,215/mo
Today · 4.125%
HK$47,084
baseline
▲ 0.50% · 4.625%
HK$49,566
+HK$2,482/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,168/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,627
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,232
−HK$1,632/mo
Today · 4.125%
HK$54,864
baseline
▲ 0.50% · 4.625%
HK$58,202
+HK$3,338/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,728/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,434
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,974
−HK$1,563/mo
Today · 4.125%
HK$60,537
baseline
▲ 0.50% · 4.625%
HK$63,728
+HK$3,191/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,074/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,681 · Scale 2, in force from 26 Feb 2026)