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$28,576
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,465
−HK$903/mo
Today · 4.125%
HK$30,368
baseline
▲ 0.50% · 4.625%
HK$32,216
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,736/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$469,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,791
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,643
−HK$865/mo
Today · 4.125%
HK$33,508
baseline
▲ 0.50% · 4.625%
HK$35,274
+HK$1,766/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,016/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$469,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,291
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,358
−HK$1,084/mo
Today · 4.125%
HK$36,442
baseline
▲ 0.50% · 4.625%
HK$38,659
+HK$2,217/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,884/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,149
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,172
−HK$1,038/mo
Today · 4.125%
HK$40,210
baseline
▲ 0.50% · 4.625%
HK$42,329
+HK$2,119/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,420/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,006
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,251
−HK$1,264/mo
Today · 4.125%
HK$42,515
baseline
▲ 0.50% · 4.625%
HK$45,102
+HK$2,587/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,030/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,507
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,700
−HK$1,211/mo
Today · 4.125%
HK$46,911
baseline
▲ 0.50% · 4.625%
HK$49,384
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,822/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,437
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,037
−HK$1,625/mo
Today · 4.125%
HK$54,662
baseline
▲ 0.50% · 4.625%
HK$57,988
+HK$3,326/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,324/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,223
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,758
−HK$1,556/mo
Today · 4.125%
HK$60,314
baseline
▲ 0.50% · 4.625%
HK$63,494
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,628/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,947 · Scale 2, in force from 26 Feb 2026)