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$28,616
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,506
−HK$904/mo
Today · 4.125%
HK$30,410
baseline
▲ 0.50% · 4.625%
HK$32,261
+HK$1,851/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,820/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,835
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,689
−HK$866/mo
Today · 4.125%
HK$33,555
baseline
▲ 0.50% · 4.625%
HK$35,324
+HK$1,769/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,110/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,339
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,407
−HK$1,086/mo
Today · 4.125%
HK$36,493
baseline
▲ 0.50% · 4.625%
HK$38,713
+HK$2,220/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,986/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,202
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,227
−HK$1,039/mo
Today · 4.125%
HK$40,266
baseline
▲ 0.50% · 4.625%
HK$42,388
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,532/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,062
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,309
−HK$1,266/mo
Today · 4.125%
HK$42,575
baseline
▲ 0.50% · 4.625%
HK$45,165
+HK$2,590/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,150/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,569
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,764
−HK$1,213/mo
Today · 4.125%
HK$46,977
baseline
▲ 0.50% · 4.625%
HK$49,453
+HK$2,476/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,954/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,509
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,111
−HK$1,628/mo
Today · 4.125%
HK$54,739
baseline
▲ 0.50% · 4.625%
HK$58,070
+HK$3,331/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,478/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,303
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,840
−HK$1,559/mo
Today · 4.125%
HK$60,399
baseline
▲ 0.50% · 4.625%
HK$63,583
+HK$3,184/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,798/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,605 · Scale 2, in force from 26 Feb 2026)