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$28,596
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,486
−HK$904/mo
Today · 4.125%
HK$30,390
baseline
▲ 0.50% · 4.625%
HK$32,239
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,780/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,813
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,666
−HK$866/mo
Today · 4.125%
HK$33,532
baseline
▲ 0.50% · 4.625%
HK$35,299
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,064/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,316
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,383
−HK$1,084/mo
Today · 4.125%
HK$36,467
baseline
▲ 0.50% · 4.625%
HK$38,686
+HK$2,219/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$72,934/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,176
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,200
−HK$1,038/mo
Today · 4.125%
HK$40,238
baseline
▲ 0.50% · 4.625%
HK$42,359
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$80,476/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,035
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,280
−HK$1,265/mo
Today · 4.125%
HK$42,545
baseline
▲ 0.50% · 4.625%
HK$45,134
+HK$2,589/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,090/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,538
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,733
−HK$1,212/mo
Today · 4.125%
HK$46,945
baseline
▲ 0.50% · 4.625%
HK$49,419
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,890/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,473
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,074
−HK$1,627/mo
Today · 4.125%
HK$54,701
baseline
▲ 0.50% · 4.625%
HK$58,030
+HK$3,329/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,402/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,264
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,799
−HK$1,558/mo
Today · 4.125%
HK$60,357
baseline
▲ 0.50% · 4.625%
HK$63,539
+HK$3,182/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,714/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,282 · Scale 2, in force from 26 Feb 2026)