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$28,591
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,480
−HK$904/mo
Today · 4.125%
HK$30,384
baseline
▲ 0.50% · 4.625%
HK$32,233
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,768/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,807
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,660
−HK$866/mo
Today · 4.125%
HK$33,526
baseline
▲ 0.50% · 4.625%
HK$35,293
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,052/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,309
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,376
−HK$1,085/mo
Today · 4.125%
HK$36,461
baseline
▲ 0.50% · 4.625%
HK$38,679
+HK$2,218/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$72,922/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,169
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,192
−HK$1,039/mo
Today · 4.125%
HK$40,231
baseline
▲ 0.50% · 4.625%
HK$42,351
+HK$2,120/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$80,462/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,027
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,273
−HK$1,265/mo
Today · 4.125%
HK$42,538
baseline
▲ 0.50% · 4.625%
HK$45,126
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,076/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,530
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,724
−HK$1,212/mo
Today · 4.125%
HK$46,936
baseline
▲ 0.50% · 4.625%
HK$49,410
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,872/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,464
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,065
−HK$1,626/mo
Today · 4.125%
HK$54,691
baseline
▲ 0.50% · 4.625%
HK$58,019
+HK$3,328/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,382/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,253
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,789
−HK$1,557/mo
Today · 4.125%
HK$60,346
baseline
▲ 0.50% · 4.625%
HK$63,527
+HK$3,181/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,692/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,195 · Scale 2, in force from 26 Feb 2026)