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$28,591
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,481
−HK$903/mo
Today · 4.125%
HK$30,384
baseline
▲ 0.50% · 4.625%
HK$32,233
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,768/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,808
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,661
−HK$865/mo
Today · 4.125%
HK$33,526
baseline
▲ 0.50% · 4.625%
HK$35,293
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,052/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,310
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,377
−HK$1,084/mo
Today · 4.125%
HK$36,461
baseline
▲ 0.50% · 4.625%
HK$38,680
+HK$2,219/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$72,922/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,169
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,193
−HK$1,038/mo
Today · 4.125%
HK$40,231
baseline
▲ 0.50% · 4.625%
HK$42,352
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$80,462/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,028
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,273
−HK$1,265/mo
Today · 4.125%
HK$42,538
baseline
▲ 0.50% · 4.625%
HK$45,126
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,076/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,531
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,725
−HK$1,211/mo
Today · 4.125%
HK$46,936
baseline
▲ 0.50% · 4.625%
HK$49,411
+HK$2,475/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,872/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,464
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,065
−HK$1,627/mo
Today · 4.125%
HK$54,692
baseline
▲ 0.50% · 4.625%
HK$58,020
+HK$3,328/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,384/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,254
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,789
−HK$1,558/mo
Today · 4.125%
HK$60,347
baseline
▲ 0.50% · 4.625%
HK$63,528
+HK$3,181/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,694/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,200 · Scale 2, in force from 26 Feb 2026)