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$28,614
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,504
−HK$905/mo
Today · 4.125%
HK$30,409
baseline
▲ 0.50% · 4.625%
HK$32,259
+HK$1,850/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,818/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,833
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,687
−HK$866/mo
Today · 4.125%
HK$33,553
baseline
▲ 0.50% · 4.625%
HK$35,322
+HK$1,769/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,106/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,337
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,405
−HK$1,085/mo
Today · 4.125%
HK$36,490
baseline
▲ 0.50% · 4.625%
HK$38,711
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,980/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,200
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,224
−HK$1,040/mo
Today · 4.125%
HK$40,264
baseline
▲ 0.50% · 4.625%
HK$42,386
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,528/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,060
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,306
−HK$1,266/mo
Today · 4.125%
HK$42,572
baseline
▲ 0.50% · 4.625%
HK$45,163
+HK$2,591/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,144/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,566
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,762
−HK$1,212/mo
Today · 4.125%
HK$46,974
baseline
▲ 0.50% · 4.625%
HK$49,450
+HK$2,476/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,948/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,506
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,108
−HK$1,628/mo
Today · 4.125%
HK$54,736
baseline
▲ 0.50% · 4.625%
HK$58,066
+HK$3,330/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,472/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,300
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,836
−HK$1,559/mo
Today · 4.125%
HK$60,395
baseline
▲ 0.50% · 4.625%
HK$63,579
+HK$3,184/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,790/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,578 · Scale 2, in force from 26 Feb 2026)