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$28,579
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,468
−HK$903/mo
Today · 4.125%
HK$30,371
baseline
▲ 0.50% · 4.625%
HK$32,219
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,742/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$469,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,793
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,646
−HK$865/mo
Today · 4.125%
HK$33,511
baseline
▲ 0.50% · 4.625%
HK$35,278
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,022/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$469,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,294
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,361
−HK$1,084/mo
Today · 4.125%
HK$36,445
baseline
▲ 0.50% · 4.625%
HK$38,663
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,890/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,152
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,175
−HK$1,038/mo
Today · 4.125%
HK$40,213
baseline
▲ 0.50% · 4.625%
HK$42,333
+HK$2,120/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,426/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,010
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,255
−HK$1,264/mo
Today · 4.125%
HK$42,519
baseline
▲ 0.50% · 4.625%
HK$45,106
+HK$2,587/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,038/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,511
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,705
−HK$1,211/mo
Today · 4.125%
HK$46,916
baseline
▲ 0.50% · 4.625%
HK$49,389
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,832/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,442
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,042
−HK$1,625/mo
Today · 4.125%
HK$54,667
baseline
▲ 0.50% · 4.625%
HK$57,994
+HK$3,327/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,334/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,228
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,763
−HK$1,557/mo
Today · 4.125%
HK$60,320
baseline
▲ 0.50% · 4.625%
HK$63,500
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,640/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,992 · Scale 2, in force from 26 Feb 2026)