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$28,677
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,569
−HK$907/mo
Today · 4.125%
HK$30,476
baseline
▲ 0.50% · 4.625%
HK$32,330
+HK$1,854/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,952/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,903
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,759
−HK$868/mo
Today · 4.125%
HK$33,627
baseline
▲ 0.50% · 4.625%
HK$35,400
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,254/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,413
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,483
−HK$1,088/mo
Today · 4.125%
HK$36,571
baseline
▲ 0.50% · 4.625%
HK$38,796
+HK$2,225/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,142/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,284
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,311
−HK$1,041/mo
Today · 4.125%
HK$40,352
baseline
▲ 0.50% · 4.625%
HK$42,479
+HK$2,127/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,704/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,148
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,397
−HK$1,269/mo
Today · 4.125%
HK$42,666
baseline
▲ 0.50% · 4.625%
HK$45,262
+HK$2,596/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,332/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,665
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,863
−HK$1,215/mo
Today · 4.125%
HK$47,078
baseline
▲ 0.50% · 4.625%
HK$49,559
+HK$2,481/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,156/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,619
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,225
−HK$1,631/mo
Today · 4.125%
HK$54,856
baseline
▲ 0.50% · 4.625%
HK$58,194
+HK$3,338/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,712/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,426
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,966
−HK$1,563/mo
Today · 4.125%
HK$60,529
baseline
▲ 0.50% · 4.625%
HK$63,719
+HK$3,190/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,058/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,616 · Scale 2, in force from 26 Feb 2026)