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$29,547
−HK$905/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$471,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,879
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,734
−HK$867/mo
Today · 4.125%
HK$33,601
baseline
▲ 0.50% · 4.625%
HK$35,372
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,202/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,386
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,456
−HK$1,087/mo
Today · 4.125%
HK$36,543
baseline
▲ 0.50% · 4.625%
HK$38,766
+HK$2,223/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,086/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,254
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,280
−HK$1,041/mo
Today · 4.125%
HK$40,321
baseline
▲ 0.50% · 4.625%
HK$42,447
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,642/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,117
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,365
−HK$1,268/mo
Today · 4.125%
HK$42,633
baseline
▲ 0.50% · 4.625%
HK$45,227
+HK$2,594/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,266/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,630
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,827
−HK$1,214/mo
Today · 4.125%
HK$47,041
baseline
▲ 0.50% · 4.625%
HK$49,521
+HK$2,480/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$471,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,580
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,184
−HK$1,630/mo
Today · 4.125%
HK$54,814
baseline
▲ 0.50% · 4.625%
HK$58,149
+HK$3,335/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,628/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,382
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,921
−HK$1,561/mo
Today · 4.125%
HK$60,482
baseline
▲ 0.50% · 4.625%
HK$63,670
+HK$3,188/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,964/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,252 · Scale 2, in force from 26 Feb 2026)