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$28,613
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,503
−HK$904/mo
Today · 4.125%
HK$30,407
baseline
▲ 0.50% · 4.625%
HK$32,257
+HK$1,850/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,814/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,832
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,685
−HK$866/mo
Today · 4.125%
HK$33,551
baseline
▲ 0.50% · 4.625%
HK$35,320
+HK$1,769/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,102/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,336
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,404
−HK$1,085/mo
Today · 4.125%
HK$36,489
baseline
▲ 0.50% · 4.625%
HK$38,709
+HK$2,220/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,978/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,198
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,222
−HK$1,040/mo
Today · 4.125%
HK$40,262
baseline
▲ 0.50% · 4.625%
HK$42,384
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,524/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,058
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,304
−HK$1,266/mo
Today · 4.125%
HK$42,570
baseline
▲ 0.50% · 4.625%
HK$45,160
+HK$2,590/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,140/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,564
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,759
−HK$1,213/mo
Today · 4.125%
HK$46,972
baseline
▲ 0.50% · 4.625%
HK$49,448
+HK$2,476/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,944/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,503
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,105
−HK$1,628/mo
Today · 4.125%
HK$54,733
baseline
▲ 0.50% · 4.625%
HK$58,063
+HK$3,330/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,466/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,297
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,834
−HK$1,558/mo
Today · 4.125%
HK$60,392
baseline
▲ 0.50% · 4.625%
HK$63,576
+HK$3,184/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,784/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,555 · Scale 2, in force from 26 Feb 2026)