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$28,661
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,553
−HK$905/mo
Today · 4.125%
HK$30,458
baseline
▲ 0.50% · 4.625%
HK$32,312
+HK$1,854/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,916/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,885
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,740
−HK$868/mo
Today · 4.125%
HK$33,608
baseline
▲ 0.50% · 4.625%
HK$35,379
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,216/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,393
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,463
−HK$1,087/mo
Today · 4.125%
HK$36,550
baseline
▲ 0.50% · 4.625%
HK$38,774
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,100/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,262
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,288
−HK$1,041/mo
Today · 4.125%
HK$40,329
baseline
▲ 0.50% · 4.625%
HK$42,455
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,658/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,125
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,374
−HK$1,268/mo
Today · 4.125%
HK$42,642
baseline
▲ 0.50% · 4.625%
HK$45,236
+HK$2,594/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,284/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,639
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,836
−HK$1,215/mo
Today · 4.125%
HK$47,051
baseline
▲ 0.50% · 4.625%
HK$49,531
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,102/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,590
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,195
−HK$1,630/mo
Today · 4.125%
HK$54,825
baseline
▲ 0.50% · 4.625%
HK$58,161
+HK$3,336/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,650/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,393
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,932
−HK$1,562/mo
Today · 4.125%
HK$60,494
baseline
▲ 0.50% · 4.625%
HK$63,683
+HK$3,189/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,988/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,346 · Scale 2, in force from 26 Feb 2026)