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$28,682
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,575
−HK$906/mo
Today · 4.125%
HK$30,481
baseline
▲ 0.50% · 4.625%
HK$32,336
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,962/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,909
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,765
−HK$868/mo
Today · 4.125%
HK$33,633
baseline
▲ 0.50% · 4.625%
HK$35,406
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,266/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,419
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,489
−HK$1,088/mo
Today · 4.125%
HK$36,577
baseline
▲ 0.50% · 4.625%
HK$38,803
+HK$2,226/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,154/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,291
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,318
−HK$1,041/mo
Today · 4.125%
HK$40,359
baseline
▲ 0.50% · 4.625%
HK$42,487
+HK$2,128/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,718/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,155
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,404
−HK$1,269/mo
Today · 4.125%
HK$42,673
baseline
▲ 0.50% · 4.625%
HK$45,270
+HK$2,597/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,346/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,672
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,870
−HK$1,216/mo
Today · 4.125%
HK$47,086
baseline
▲ 0.50% · 4.625%
HK$49,568
+HK$2,482/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,172/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,628
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,234
−HK$1,632/mo
Today · 4.125%
HK$54,866
baseline
▲ 0.50% · 4.625%
HK$58,204
+HK$3,338/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,732/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,436
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,976
−HK$1,563/mo
Today · 4.125%
HK$60,539
baseline
▲ 0.50% · 4.625%
HK$63,730
+HK$3,191/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,078/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,697 · Scale 2, in force from 26 Feb 2026)