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$28,664
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,556
−HK$905/mo
Today · 4.125%
HK$30,461
baseline
▲ 0.50% · 4.625%
HK$32,315
+HK$1,854/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,922/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,888
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,744
−HK$867/mo
Today · 4.125%
HK$33,611
baseline
▲ 0.50% · 4.625%
HK$35,383
+HK$1,772/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,222/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,397
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,467
−HK$1,087/mo
Today · 4.125%
HK$36,554
baseline
▲ 0.50% · 4.625%
HK$38,778
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,108/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,266
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,292
−HK$1,041/mo
Today · 4.125%
HK$40,333
baseline
▲ 0.50% · 4.625%
HK$42,459
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,666/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,129
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,378
−HK$1,268/mo
Today · 4.125%
HK$42,646
baseline
▲ 0.50% · 4.625%
HK$45,241
+HK$2,595/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,292/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,644
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,841
−HK$1,215/mo
Today · 4.125%
HK$47,056
baseline
▲ 0.50% · 4.625%
HK$49,536
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,112/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,595
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,200
−HK$1,630/mo
Today · 4.125%
HK$54,830
baseline
▲ 0.50% · 4.625%
HK$58,167
+HK$3,337/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,660/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,399
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,938
−HK$1,562/mo
Today · 4.125%
HK$60,500
baseline
▲ 0.50% · 4.625%
HK$63,689
+HK$3,189/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$121,000/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,393 · Scale 2, in force from 26 Feb 2026)