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$1,793/mo
▼ 0.25% · 3.875%
HK$29,487
−HK$903/mo
Today · 4.125%
HK$30,390
baseline
▲ 0.50% · 4.625%
HK$32,240
+HK$1,850/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$470,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,814
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,667
−HK$866/mo
Today · 4.125%
HK$33,533
baseline
▲ 0.50% · 4.625%
HK$35,300
+HK$1,767/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$470,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,317
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,384
−HK$1,084/mo
Today · 4.125%
HK$36,468
baseline
▲ 0.50% · 4.625%
HK$38,687
+HK$2,219/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$72,936/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,177
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,201
−HK$1,038/mo
Today · 4.125%
HK$40,239
baseline
▲ 0.50% · 4.625%
HK$42,360
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$80,478/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,036
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,281
−HK$1,266/mo
Today · 4.125%
HK$42,547
baseline
▲ 0.50% · 4.625%
HK$45,135
+HK$2,588/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$470,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,540
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,734
−HK$1,212/mo
Today · 4.125%
HK$46,946
baseline
▲ 0.50% · 4.625%
HK$49,420
+HK$2,474/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$470,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,475
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,076
−HK$1,627/mo
Today · 4.125%
HK$54,703
baseline
▲ 0.50% · 4.625%
HK$58,031
+HK$3,328/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$470,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,265
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,801
−HK$1,558/mo
Today · 4.125%
HK$60,359
baseline
▲ 0.50% · 4.625%
HK$63,541
+HK$3,182/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,718/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,294 · Scale 2, in force from 26 Feb 2026)