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$28,587
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,476
−HK$904/mo
Today · 4.125%
HK$30,380
baseline
▲ 0.50% · 4.625%
HK$32,228
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,760/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,803
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,656
−HK$865/mo
Today · 4.125%
HK$33,521
baseline
▲ 0.50% · 4.625%
HK$35,288
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,042/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,304
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,371
−HK$1,085/mo
Today · 4.125%
HK$36,456
baseline
▲ 0.50% · 4.625%
HK$38,674
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,912/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,163
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,187
−HK$1,038/mo
Today · 4.125%
HK$40,225
baseline
▲ 0.50% · 4.625%
HK$42,345
+HK$2,120/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,450/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,022
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,267
−HK$1,264/mo
Today · 4.125%
HK$42,531
baseline
▲ 0.50% · 4.625%
HK$45,119
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,062/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,524
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,718
−HK$1,211/mo
Today · 4.125%
HK$46,929
baseline
▲ 0.50% · 4.625%
HK$49,403
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,858/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,456
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,057
−HK$1,626/mo
Today · 4.125%
HK$54,683
baseline
▲ 0.50% · 4.625%
HK$58,011
+HK$3,328/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,366/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,245
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,780
−HK$1,558/mo
Today · 4.125%
HK$60,338
baseline
▲ 0.50% · 4.625%
HK$63,518
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,676/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,127 · Scale 2, in force from 26 Feb 2026)