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$28,578
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,467
−HK$903/mo
Today · 4.125%
HK$30,370
baseline
▲ 0.50% · 4.625%
HK$32,218
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,740/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$469,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,793
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,646
−HK$865/mo
Today · 4.125%
HK$33,511
baseline
▲ 0.50% · 4.625%
HK$35,277
+HK$1,766/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,022/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$469,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,294
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,361
−HK$1,083/mo
Today · 4.125%
HK$36,444
baseline
▲ 0.50% · 4.625%
HK$38,662
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,888/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,152
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,175
−HK$1,038/mo
Today · 4.125%
HK$40,213
baseline
▲ 0.50% · 4.625%
HK$42,332
+HK$2,119/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,426/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,009
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,254
−HK$1,264/mo
Today · 4.125%
HK$42,518
baseline
▲ 0.50% · 4.625%
HK$45,106
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,036/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,510
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,704
−HK$1,211/mo
Today · 4.125%
HK$46,915
baseline
▲ 0.50% · 4.625%
HK$49,388
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,830/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,441
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,041
−HK$1,626/mo
Today · 4.125%
HK$54,667
baseline
▲ 0.50% · 4.625%
HK$57,993
+HK$3,326/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,334/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,227
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,762
−HK$1,557/mo
Today · 4.125%
HK$60,319
baseline
▲ 0.50% · 4.625%
HK$63,499
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,638/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,984 · Scale 2, in force from 26 Feb 2026)