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$28,580
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,469
−HK$903/mo
Today · 4.125%
HK$30,372
baseline
▲ 0.50% · 4.625%
HK$32,221
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,744/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,795
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,648
−HK$865/mo
Today · 4.125%
HK$33,513
baseline
▲ 0.50% · 4.625%
HK$35,280
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,026/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,296
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,363
−HK$1,084/mo
Today · 4.125%
HK$36,447
baseline
▲ 0.50% · 4.625%
HK$38,665
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,894/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,154
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,178
−HK$1,038/mo
Today · 4.125%
HK$40,216
baseline
▲ 0.50% · 4.625%
HK$42,335
+HK$2,119/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,432/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,012
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,257
−HK$1,264/mo
Today · 4.125%
HK$42,521
baseline
▲ 0.50% · 4.625%
HK$45,109
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,042/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,513
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,707
−HK$1,211/mo
Today · 4.125%
HK$46,918
baseline
▲ 0.50% · 4.625%
HK$49,391
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,836/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,444
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,045
−HK$1,625/mo
Today · 4.125%
HK$54,670
baseline
▲ 0.50% · 4.625%
HK$57,997
+HK$3,327/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,340/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,231
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,766
−HK$1,557/mo
Today · 4.125%
HK$60,323
baseline
▲ 0.50% · 4.625%
HK$63,503
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,646/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,017 · Scale 2, in force from 26 Feb 2026)