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$28,683
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,575
−HK$907/mo
Today · 4.125%
HK$30,482
baseline
▲ 0.50% · 4.625%
HK$32,337
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,964/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,910
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,766
−HK$868/mo
Today · 4.125%
HK$33,634
baseline
▲ 0.50% · 4.625%
HK$35,407
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,268/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,420
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,491
−HK$1,087/mo
Today · 4.125%
HK$36,578
baseline
▲ 0.50% · 4.625%
HK$38,804
+HK$2,226/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,156/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,292
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,319
−HK$1,042/mo
Today · 4.125%
HK$40,361
baseline
▲ 0.50% · 4.625%
HK$42,488
+HK$2,127/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,722/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,157
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,406
−HK$1,269/mo
Today · 4.125%
HK$42,675
baseline
▲ 0.50% · 4.625%
HK$45,271
+HK$2,596/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$85,350/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,674
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,872
−HK$1,215/mo
Today · 4.125%
HK$47,087
baseline
▲ 0.50% · 4.625%
HK$49,569
+HK$2,482/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$94,174/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,630
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,236
−HK$1,631/mo
Today · 4.125%
HK$54,867
baseline
▲ 0.50% · 4.625%
HK$58,206
+HK$3,339/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,734/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,438
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,978
−HK$1,563/mo
Today · 4.125%
HK$60,541
baseline
▲ 0.50% · 4.625%
HK$63,732
+HK$3,191/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,082/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,711 · Scale 2, in force from 26 Feb 2026)