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$28,592
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,482
−HK$903/mo
Today · 4.125%
HK$30,385
baseline
▲ 0.50% · 4.625%
HK$32,234
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,770/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,809
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,662
−HK$865/mo
Today · 4.125%
HK$33,527
baseline
▲ 0.50% · 4.625%
HK$35,295
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,054/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,311
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,378
−HK$1,085/mo
Today · 4.125%
HK$36,463
baseline
▲ 0.50% · 4.625%
HK$38,681
+HK$2,218/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$72,926/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,171
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,194
−HK$1,039/mo
Today · 4.125%
HK$40,233
baseline
▲ 0.50% · 4.625%
HK$42,354
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$80,466/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,029
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,275
−HK$1,265/mo
Today · 4.125%
HK$42,540
baseline
▲ 0.50% · 4.625%
HK$45,128
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,080/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,532
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,727
−HK$1,211/mo
Today · 4.125%
HK$46,938
baseline
▲ 0.50% · 4.625%
HK$49,412
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,876/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,466
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,067
−HK$1,627/mo
Today · 4.125%
HK$54,694
baseline
▲ 0.50% · 4.625%
HK$58,022
+HK$3,328/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,388/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,256
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,791
−HK$1,558/mo
Today · 4.125%
HK$60,349
baseline
▲ 0.50% · 4.625%
HK$63,530
+HK$3,181/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,698/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,218 · Scale 2, in force from 26 Feb 2026)