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$28,732
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,626
−HK$908/mo
Today · 4.125%
HK$30,534
baseline
▲ 0.50% · 4.625%
HK$32,392
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,068/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,964
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,822
−HK$869/mo
Today · 4.125%
HK$33,691
baseline
▲ 0.50% · 4.625%
HK$35,467
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,382/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,479
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,551
−HK$1,090/mo
Today · 4.125%
HK$36,641
baseline
▲ 0.50% · 4.625%
HK$38,870
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,282/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,357
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,386
−HK$1,044/mo
Today · 4.125%
HK$40,430
baseline
▲ 0.50% · 4.625%
HK$42,561
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,860/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,225
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,476
−HK$1,272/mo
Today · 4.125%
HK$42,748
baseline
▲ 0.50% · 4.625%
HK$45,349
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,496/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,750
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,950
−HK$1,218/mo
Today · 4.125%
HK$47,168
baseline
▲ 0.50% · 4.625%
HK$49,654
+HK$2,486/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,336/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,718
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,327
−HK$1,634/mo
Today · 4.125%
HK$54,961
baseline
▲ 0.50% · 4.625%
HK$58,306
+HK$3,345/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,922/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,536
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,079
−HK$1,565/mo
Today · 4.125%
HK$60,644
baseline
▲ 0.50% · 4.625%
HK$63,841
+HK$3,197/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,288/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,518 · Scale 2, in force from 26 Feb 2026)