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$28,742
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,636
−HK$908/mo
Today · 4.125%
HK$30,544
baseline
▲ 0.50% · 4.625%
HK$32,403
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,088/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,975
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,833
−HK$870/mo
Today · 4.125%
HK$33,703
baseline
▲ 0.50% · 4.625%
HK$35,479
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,406/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,490
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,563
−HK$1,090/mo
Today · 4.125%
HK$36,653
baseline
▲ 0.50% · 4.625%
HK$38,884
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,306/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,370
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,399
−HK$1,044/mo
Today · 4.125%
HK$40,443
baseline
▲ 0.50% · 4.625%
HK$42,575
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,886/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,239
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,490
−HK$1,272/mo
Today · 4.125%
HK$42,762
baseline
▲ 0.50% · 4.625%
HK$45,364
+HK$2,602/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,524/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,765
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,966
−HK$1,218/mo
Today · 4.125%
HK$47,184
baseline
▲ 0.50% · 4.625%
HK$49,671
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,368/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,736
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,345
−HK$1,635/mo
Today · 4.125%
HK$54,980
baseline
▲ 0.50% · 4.625%
HK$58,325
+HK$3,345/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,960/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,555
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,099
−HK$1,566/mo
Today · 4.125%
HK$60,665
baseline
▲ 0.50% · 4.625%
HK$63,863
+HK$3,198/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,330/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,678 · Scale 2, in force from 26 Feb 2026)