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$28,580
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,469
−HK$904/mo
Today · 4.125%
HK$30,373
baseline
▲ 0.50% · 4.625%
HK$32,221
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,746/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,795
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,648
−HK$865/mo
Today · 4.125%
HK$33,513
baseline
▲ 0.50% · 4.625%
HK$35,280
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,026/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,296
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,363
−HK$1,084/mo
Today · 4.125%
HK$36,447
baseline
▲ 0.50% · 4.625%
HK$38,665
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,894/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,154
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,178
−HK$1,038/mo
Today · 4.125%
HK$40,216
baseline
▲ 0.50% · 4.625%
HK$42,336
+HK$2,120/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,432/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,013
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,257
−HK$1,265/mo
Today · 4.125%
HK$42,522
baseline
▲ 0.50% · 4.625%
HK$45,109
+HK$2,587/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,044/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,514
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,707
−HK$1,211/mo
Today · 4.125%
HK$46,918
baseline
▲ 0.50% · 4.625%
HK$49,392
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,836/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,445
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,045
−HK$1,626/mo
Today · 4.125%
HK$54,671
baseline
▲ 0.50% · 4.625%
HK$57,997
+HK$3,326/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,342/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,232
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,767
−HK$1,557/mo
Today · 4.125%
HK$60,324
baseline
▲ 0.50% · 4.625%
HK$63,504
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,648/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,020 · Scale 2, in force from 26 Feb 2026)