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$28,597
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,487
−HK$904/mo
Today · 4.125%
HK$30,391
baseline
▲ 0.50% · 4.625%
HK$32,240
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,782/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,814
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,668
−HK$865/mo
Today · 4.125%
HK$33,533
baseline
▲ 0.50% · 4.625%
HK$35,301
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,066/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,317
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,384
−HK$1,085/mo
Today · 4.125%
HK$36,469
baseline
▲ 0.50% · 4.625%
HK$38,688
+HK$2,219/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$72,938/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,177
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,201
−HK$1,039/mo
Today · 4.125%
HK$40,240
baseline
▲ 0.50% · 4.625%
HK$42,361
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$80,480/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,036
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,282
−HK$1,265/mo
Today · 4.125%
HK$42,547
baseline
▲ 0.50% · 4.625%
HK$45,136
+HK$2,589/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,094/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,540
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,735
−HK$1,211/mo
Today · 4.125%
HK$46,946
baseline
▲ 0.50% · 4.625%
HK$49,421
+HK$2,475/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,892/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,475
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,077
−HK$1,626/mo
Today · 4.125%
HK$54,703
baseline
▲ 0.50% · 4.625%
HK$58,032
+HK$3,329/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,406/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,266
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,802
−HK$1,558/mo
Today · 4.125%
HK$60,360
baseline
▲ 0.50% · 4.625%
HK$63,541
+HK$3,181/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,720/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,300 · Scale 2, in force from 26 Feb 2026)