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$28,737
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,631
−HK$908/mo
Today · 4.125%
HK$30,539
baseline
▲ 0.50% · 4.625%
HK$32,397
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,078/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,969
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,827
−HK$870/mo
Today · 4.125%
HK$33,697
baseline
▲ 0.50% · 4.625%
HK$35,473
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,394/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,484
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,557
−HK$1,090/mo
Today · 4.125%
HK$36,647
baseline
▲ 0.50% · 4.625%
HK$38,876
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,294/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,363
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,392
−HK$1,044/mo
Today · 4.125%
HK$40,436
baseline
▲ 0.50% · 4.625%
HK$42,567
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,872/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,232
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,483
−HK$1,271/mo
Today · 4.125%
HK$42,754
baseline
▲ 0.50% · 4.625%
HK$45,356
+HK$2,602/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,508/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,757
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,958
−HK$1,217/mo
Today · 4.125%
HK$47,175
baseline
▲ 0.50% · 4.625%
HK$49,662
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,350/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,726
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,335
−HK$1,635/mo
Today · 4.125%
HK$54,970
baseline
▲ 0.50% · 4.625%
HK$58,315
+HK$3,345/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,940/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,545
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,088
−HK$1,566/mo
Today · 4.125%
HK$60,654
baseline
▲ 0.50% · 4.625%
HK$63,851
+HK$3,197/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,308/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,592 · Scale 2, in force from 26 Feb 2026)