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$28,657
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,548
−HK$906/mo
Today · 4.125%
HK$30,454
baseline
▲ 0.50% · 4.625%
HK$32,307
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,908/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,881
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,736
−HK$867/mo
Today · 4.125%
HK$33,603
baseline
▲ 0.50% · 4.625%
HK$35,374
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,206/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,388
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,458
−HK$1,087/mo
Today · 4.125%
HK$36,545
baseline
▲ 0.50% · 4.625%
HK$38,768
+HK$2,223/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,090/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,257
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,283
−HK$1,040/mo
Today · 4.125%
HK$40,323
baseline
▲ 0.50% · 4.625%
HK$42,449
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,646/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,120
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,368
−HK$1,268/mo
Today · 4.125%
HK$42,636
baseline
▲ 0.50% · 4.625%
HK$45,230
+HK$2,594/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,272/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,633
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,830
−HK$1,214/mo
Today · 4.125%
HK$47,044
baseline
▲ 0.50% · 4.625%
HK$49,524
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,088/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,582
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,187
−HK$1,630/mo
Today · 4.125%
HK$54,817
baseline
▲ 0.50% · 4.625%
HK$58,153
+HK$3,336/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,634/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,385
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,924
−HK$1,561/mo
Today · 4.125%
HK$60,485
baseline
▲ 0.50% · 4.625%
HK$63,674
+HK$3,189/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,970/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,278 · Scale 2, in force from 26 Feb 2026)