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$28,699
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,592
−HK$907/mo
Today · 4.125%
HK$30,499
baseline
▲ 0.50% · 4.625%
HK$32,355
+HK$1,856/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,998/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,928
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,784
−HK$869/mo
Today · 4.125%
HK$33,653
baseline
▲ 0.50% · 4.625%
HK$35,427
+HK$1,774/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,306/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,439
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,511
−HK$1,088/mo
Today · 4.125%
HK$36,599
baseline
▲ 0.50% · 4.625%
HK$38,826
+HK$2,227/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,198/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$471,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,313
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,341
−HK$1,042/mo
Today · 4.125%
HK$40,383
baseline
▲ 0.50% · 4.625%
HK$42,512
+HK$2,129/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,766/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$471,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,179
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,429
−HK$1,270/mo
Today · 4.125%
HK$42,699
baseline
▲ 0.50% · 4.625%
HK$45,297
+HK$2,598/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,398/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,699
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,898
−HK$1,216/mo
Today · 4.125%
HK$47,114
baseline
▲ 0.50% · 4.625%
HK$49,597
+HK$2,483/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,228/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,659
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,266
−HK$1,632/mo
Today · 4.125%
HK$54,898
baseline
▲ 0.50% · 4.625%
HK$58,239
+HK$3,341/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,796/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,470
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,011
−HK$1,564/mo
Today · 4.125%
HK$60,575
baseline
▲ 0.50% · 4.625%
HK$63,768
+HK$3,193/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,150/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,977 · Scale 2, in force from 26 Feb 2026)