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$28,743
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,637
−HK$908/mo
Today · 4.125%
HK$30,545
baseline
▲ 0.50% · 4.625%
HK$32,404
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,090/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,976
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,834
−HK$870/mo
Today · 4.125%
HK$33,704
baseline
▲ 0.50% · 4.625%
HK$35,480
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,408/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,492
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,564
−HK$1,090/mo
Today · 4.125%
HK$36,654
baseline
▲ 0.50% · 4.625%
HK$38,885
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,308/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,371
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,401
−HK$1,044/mo
Today · 4.125%
HK$40,445
baseline
▲ 0.50% · 4.625%
HK$42,576
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,890/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,240
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,492
−HK$1,272/mo
Today · 4.125%
HK$42,764
baseline
▲ 0.50% · 4.625%
HK$45,366
+HK$2,602/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,528/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,767
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,967
−HK$1,218/mo
Today · 4.125%
HK$47,185
baseline
▲ 0.50% · 4.625%
HK$49,673
+HK$2,488/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,370/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,737
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,347
−HK$1,635/mo
Today · 4.125%
HK$54,982
baseline
▲ 0.50% · 4.625%
HK$58,327
+HK$3,345/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,964/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,557
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,101
−HK$1,566/mo
Today · 4.125%
HK$60,667
baseline
▲ 0.50% · 4.625%
HK$63,865
+HK$3,198/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,334/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,693 · Scale 2, in force from 26 Feb 2026)