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$28,599
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,488
−HK$904/mo
Today · 4.125%
HK$30,392
baseline
▲ 0.50% · 4.625%
HK$32,241
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,784/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,816
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,669
−HK$866/mo
Today · 4.125%
HK$33,535
baseline
▲ 0.50% · 4.625%
HK$35,302
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,070/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,319
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,386
−HK$1,085/mo
Today · 4.125%
HK$36,471
baseline
▲ 0.50% · 4.625%
HK$38,690
+HK$2,219/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,942/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,179
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,203
−HK$1,039/mo
Today · 4.125%
HK$40,242
baseline
▲ 0.50% · 4.625%
HK$42,363
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,484/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,038
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,284
−HK$1,265/mo
Today · 4.125%
HK$42,549
baseline
▲ 0.50% · 4.625%
HK$45,138
+HK$2,589/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,098/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,542
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,737
−HK$1,212/mo
Today · 4.125%
HK$46,949
baseline
▲ 0.50% · 4.625%
HK$49,423
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,898/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,478
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,079
−HK$1,627/mo
Today · 4.125%
HK$54,706
baseline
▲ 0.50% · 4.625%
HK$58,035
+HK$3,329/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,412/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,269
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,804
−HK$1,559/mo
Today · 4.125%
HK$60,363
baseline
▲ 0.50% · 4.625%
HK$63,544
+HK$3,181/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,726/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,322 · Scale 2, in force from 26 Feb 2026)