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$28,585
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,474
−HK$903/mo
Today · 4.125%
HK$30,377
baseline
▲ 0.50% · 4.625%
HK$32,226
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,754/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,800
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,653
−HK$865/mo
Today · 4.125%
HK$33,518
baseline
▲ 0.50% · 4.625%
HK$35,285
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,036/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,302
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,369
−HK$1,084/mo
Today · 4.125%
HK$36,453
baseline
▲ 0.50% · 4.625%
HK$38,671
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,906/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,160
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,184
−HK$1,038/mo
Today · 4.125%
HK$40,222
baseline
▲ 0.50% · 4.625%
HK$42,342
+HK$2,120/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,444/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,019
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,264
−HK$1,264/mo
Today · 4.125%
HK$42,528
baseline
▲ 0.50% · 4.625%
HK$45,116
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,056/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,520
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,714
−HK$1,212/mo
Today · 4.125%
HK$46,926
baseline
▲ 0.50% · 4.625%
HK$49,399
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,852/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,453
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,053
−HK$1,626/mo
Today · 4.125%
HK$54,679
baseline
▲ 0.50% · 4.625%
HK$58,006
+HK$3,327/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,358/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,241
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,776
−HK$1,557/mo
Today · 4.125%
HK$60,333
baseline
▲ 0.50% · 4.625%
HK$63,513
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,666/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,092 · Scale 2, in force from 26 Feb 2026)