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$28,610
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,500
−HK$904/mo
Today · 4.125%
HK$30,404
baseline
▲ 0.50% · 4.625%
HK$32,254
+HK$1,850/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,808/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,828
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,682
−HK$866/mo
Today · 4.125%
HK$33,548
baseline
▲ 0.50% · 4.625%
HK$35,316
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,096/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,332
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,400
−HK$1,085/mo
Today · 4.125%
HK$36,485
baseline
▲ 0.50% · 4.625%
HK$38,705
+HK$2,220/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,970/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,194
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,218
−HK$1,039/mo
Today · 4.125%
HK$40,257
baseline
▲ 0.50% · 4.625%
HK$42,379
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,514/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,054
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,299
−HK$1,266/mo
Today · 4.125%
HK$42,565
baseline
▲ 0.50% · 4.625%
HK$45,155
+HK$2,590/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,130/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,559
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,754
−HK$1,213/mo
Today · 4.125%
HK$46,967
baseline
▲ 0.50% · 4.625%
HK$49,442
+HK$2,475/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,934/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,497
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,099
−HK$1,628/mo
Today · 4.125%
HK$54,727
baseline
▲ 0.50% · 4.625%
HK$58,057
+HK$3,330/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,454/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,290
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,827
−HK$1,559/mo
Today · 4.125%
HK$60,386
baseline
▲ 0.50% · 4.625%
HK$63,569
+HK$3,183/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,772/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,502 · Scale 2, in force from 26 Feb 2026)