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$28,582
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,471
−HK$903/mo
Today · 4.125%
HK$30,374
baseline
▲ 0.50% · 4.625%
HK$32,222
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,748/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,797
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,650
−HK$865/mo
Today · 4.125%
HK$33,515
baseline
▲ 0.50% · 4.625%
HK$35,281
+HK$1,766/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,030/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,298
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,365
−HK$1,084/mo
Today · 4.125%
HK$36,449
baseline
▲ 0.50% · 4.625%
HK$38,667
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,898/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,156
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,180
−HK$1,038/mo
Today · 4.125%
HK$40,218
baseline
▲ 0.50% · 4.625%
HK$42,338
+HK$2,120/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,436/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,014
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,259
−HK$1,265/mo
Today · 4.125%
HK$42,524
baseline
▲ 0.50% · 4.625%
HK$45,111
+HK$2,587/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,048/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,516
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,710
−HK$1,211/mo
Today · 4.125%
HK$46,921
baseline
▲ 0.50% · 4.625%
HK$49,394
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,842/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,447
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,047
−HK$1,626/mo
Today · 4.125%
HK$54,673
baseline
▲ 0.50% · 4.625%
HK$58,000
+HK$3,327/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,346/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,234
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,769
−HK$1,558/mo
Today · 4.125%
HK$60,327
baseline
▲ 0.50% · 4.625%
HK$63,507
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,654/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,042 · Scale 2, in force from 26 Feb 2026)