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$28,604
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,494
−HK$904/mo
Today · 4.125%
HK$30,398
baseline
▲ 0.50% · 4.625%
HK$32,248
+HK$1,850/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,796/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,822
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,676
−HK$865/mo
Today · 4.125%
HK$33,541
baseline
▲ 0.50% · 4.625%
HK$35,309
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,082/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,325
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,393
−HK$1,085/mo
Today · 4.125%
HK$36,478
baseline
▲ 0.50% · 4.625%
HK$38,697
+HK$2,219/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,956/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,187
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,211
−HK$1,039/mo
Today · 4.125%
HK$40,250
baseline
▲ 0.50% · 4.625%
HK$42,371
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,500/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,046
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,292
−HK$1,265/mo
Today · 4.125%
HK$42,557
baseline
▲ 0.50% · 4.625%
HK$45,147
+HK$2,590/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,114/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,551
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,746
−HK$1,212/mo
Today · 4.125%
HK$46,958
baseline
▲ 0.50% · 4.625%
HK$49,433
+HK$2,475/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,916/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,488
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,090
−HK$1,627/mo
Today · 4.125%
HK$54,717
baseline
▲ 0.50% · 4.625%
HK$58,046
+HK$3,329/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,434/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,280
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,816
−HK$1,559/mo
Today · 4.125%
HK$60,375
baseline
▲ 0.50% · 4.625%
HK$63,557
+HK$3,182/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,750/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,415 · Scale 2, in force from 26 Feb 2026)