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$28,572
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,460
−HK$903/mo
Today · 4.125%
HK$30,363
baseline
▲ 0.50% · 4.625%
HK$32,211
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,726/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,786
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,638
−HK$865/mo
Today · 4.125%
HK$33,503
baseline
▲ 0.50% · 4.625%
HK$35,269
+HK$1,766/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,006/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,286
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,352
−HK$1,084/mo
Today · 4.125%
HK$36,436
baseline
▲ 0.50% · 4.625%
HK$38,653
+HK$2,217/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,872/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,143
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,166
−HK$1,038/mo
Today · 4.125%
HK$40,204
baseline
▲ 0.50% · 4.625%
HK$42,323
+HK$2,119/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,408/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,000
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,245
−HK$1,264/mo
Today · 4.125%
HK$42,509
baseline
▲ 0.50% · 4.625%
HK$45,095
+HK$2,586/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,018/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,500
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,693
−HK$1,211/mo
Today · 4.125%
HK$46,904
baseline
▲ 0.50% · 4.625%
HK$49,376
+HK$2,472/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,808/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,429
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,029
−HK$1,625/mo
Today · 4.125%
HK$54,654
baseline
▲ 0.50% · 4.625%
HK$57,980
+HK$3,326/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,308/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,214
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,749
−HK$1,556/mo
Today · 4.125%
HK$60,305
baseline
▲ 0.50% · 4.625%
HK$63,484
+HK$3,179/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,610/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,876 · Scale 2, in force from 26 Feb 2026)