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$28,582
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,471
−HK$904/mo
Today · 4.125%
HK$30,375
baseline
▲ 0.50% · 4.625%
HK$32,223
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,750/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,798
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,650
−HK$866/mo
Today · 4.125%
HK$33,516
baseline
▲ 0.50% · 4.625%
HK$35,282
+HK$1,766/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,032/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,299
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,366
−HK$1,084/mo
Today · 4.125%
HK$36,450
baseline
▲ 0.50% · 4.625%
HK$38,668
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,900/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,157
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,180
−HK$1,039/mo
Today · 4.125%
HK$40,219
baseline
▲ 0.50% · 4.625%
HK$42,339
+HK$2,120/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,438/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,015
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,260
−HK$1,265/mo
Today · 4.125%
HK$42,525
baseline
▲ 0.50% · 4.625%
HK$45,112
+HK$2,587/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,050/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,517
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,711
−HK$1,211/mo
Today · 4.125%
HK$46,922
baseline
▲ 0.50% · 4.625%
HK$49,395
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,844/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,448
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,049
−HK$1,626/mo
Today · 4.125%
HK$54,675
baseline
▲ 0.50% · 4.625%
HK$58,001
+HK$3,326/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,350/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,236
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,771
−HK$1,557/mo
Today · 4.125%
HK$60,328
baseline
▲ 0.50% · 4.625%
HK$63,508
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,656/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,053 · Scale 2, in force from 26 Feb 2026)