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$28,745
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,639
−HK$908/mo
Today · 4.125%
HK$30,547
baseline
▲ 0.50% · 4.625%
HK$32,406
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,094/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,978
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,836
−HK$870/mo
Today · 4.125%
HK$33,706
baseline
▲ 0.50% · 4.625%
HK$35,483
+HK$1,777/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,412/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,494
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,567
−HK$1,090/mo
Today · 4.125%
HK$36,657
baseline
▲ 0.50% · 4.625%
HK$38,887
+HK$2,230/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,314/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,374
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,403
−HK$1,044/mo
Today · 4.125%
HK$40,447
baseline
▲ 0.50% · 4.625%
HK$42,579
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,894/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,243
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,495
−HK$1,271/mo
Today · 4.125%
HK$42,766
baseline
▲ 0.50% · 4.625%
HK$45,369
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,532/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,770
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,970
−HK$1,218/mo
Today · 4.125%
HK$47,188
baseline
▲ 0.50% · 4.625%
HK$49,676
+HK$2,488/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,376/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,741
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,350
−HK$1,635/mo
Today · 4.125%
HK$54,985
baseline
▲ 0.50% · 4.625%
HK$58,331
+HK$3,346/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$109,970/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,561
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,105
−HK$1,566/mo
Today · 4.125%
HK$60,671
baseline
▲ 0.50% · 4.625%
HK$63,869
+HK$3,198/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,342/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,724 · Scale 2, in force from 26 Feb 2026)