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$28,655
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,546
−HK$906/mo
Today · 4.125%
HK$30,452
baseline
▲ 0.50% · 4.625%
HK$32,305
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,904/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,878
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,733
−HK$867/mo
Today · 4.125%
HK$33,600
baseline
▲ 0.50% · 4.625%
HK$35,372
+HK$1,772/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,200/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,386
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,455
−HK$1,087/mo
Today · 4.125%
HK$36,542
baseline
▲ 0.50% · 4.625%
HK$38,765
+HK$2,223/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,084/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,254
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,280
−HK$1,040/mo
Today · 4.125%
HK$40,320
baseline
▲ 0.50% · 4.625%
HK$42,446
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,640/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,117
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,365
−HK$1,267/mo
Today · 4.125%
HK$42,632
baseline
▲ 0.50% · 4.625%
HK$45,226
+HK$2,594/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,264/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,629
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,826
−HK$1,215/mo
Today · 4.125%
HK$47,041
baseline
▲ 0.50% · 4.625%
HK$49,520
+HK$2,479/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,082/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,579
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,183
−HK$1,630/mo
Today · 4.125%
HK$54,813
baseline
▲ 0.50% · 4.625%
HK$58,148
+HK$3,335/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,626/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,381
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,920
−HK$1,561/mo
Today · 4.125%
HK$60,481
baseline
▲ 0.50% · 4.625%
HK$63,669
+HK$3,188/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,962/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,243 · Scale 2, in force from 26 Feb 2026)