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$28,606
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,496
−HK$904/mo
Today · 4.125%
HK$30,400
baseline
▲ 0.50% · 4.625%
HK$32,249
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,800/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,824
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,677
−HK$866/mo
Today · 4.125%
HK$33,543
baseline
▲ 0.50% · 4.625%
HK$35,311
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,086/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,327
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,395
−HK$1,085/mo
Today · 4.125%
HK$36,480
baseline
▲ 0.50% · 4.625%
HK$38,699
+HK$2,219/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,960/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,188
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,213
−HK$1,039/mo
Today · 4.125%
HK$40,252
baseline
▲ 0.50% · 4.625%
HK$42,373
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,504/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,048
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,294
−HK$1,266/mo
Today · 4.125%
HK$42,560
baseline
▲ 0.50% · 4.625%
HK$45,149
+HK$2,589/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,120/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,553
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,748
−HK$1,212/mo
Today · 4.125%
HK$46,960
baseline
▲ 0.50% · 4.625%
HK$49,436
+HK$2,476/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,920/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,490
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,092
−HK$1,627/mo
Today · 4.125%
HK$54,719
baseline
▲ 0.50% · 4.625%
HK$58,049
+HK$3,330/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,438/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,283
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,819
−HK$1,558/mo
Today · 4.125%
HK$60,377
baseline
▲ 0.50% · 4.625%
HK$63,560
+HK$3,183/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,754/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,438 · Scale 2, in force from 26 Feb 2026)