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$28,600
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,489
−HK$904/mo
Today · 4.125%
HK$30,393
baseline
▲ 0.50% · 4.625%
HK$32,243
+HK$1,850/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,786/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,817
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,670
−HK$866/mo
Today · 4.125%
HK$33,536
baseline
▲ 0.50% · 4.625%
HK$35,304
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,072/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,320
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,387
−HK$1,085/mo
Today · 4.125%
HK$36,472
baseline
▲ 0.50% · 4.625%
HK$38,691
+HK$2,219/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,944/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,180
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,204
−HK$1,039/mo
Today · 4.125%
HK$40,243
baseline
▲ 0.50% · 4.625%
HK$42,364
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,486/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,040
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,285
−HK$1,265/mo
Today · 4.125%
HK$42,550
baseline
▲ 0.50% · 4.625%
HK$45,140
+HK$2,590/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,100/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,544
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,738
−HK$1,212/mo
Today · 4.125%
HK$46,950
baseline
▲ 0.50% · 4.625%
HK$49,425
+HK$2,475/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,900/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,479
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,081
−HK$1,627/mo
Today · 4.125%
HK$54,708
baseline
▲ 0.50% · 4.625%
HK$58,037
+HK$3,329/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,416/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,270
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,806
−HK$1,559/mo
Today · 4.125%
HK$60,365
baseline
▲ 0.50% · 4.625%
HK$63,546
+HK$3,181/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,730/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,337 · Scale 2, in force from 26 Feb 2026)