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$1,793/mo
▼ 0.25% · 3.875%
HK$29,475
−HK$903/mo
Today · 4.125%
HK$30,378
baseline
▲ 0.50% · 4.625%
HK$32,226
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,756/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,801
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,654
−HK$865/mo
Today · 4.125%
HK$33,519
baseline
▲ 0.50% · 4.625%
HK$35,286
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,038/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,101 · 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$38,672
+HK$2,219/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$470,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,161
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,185
−HK$1,038/mo
Today · 4.125%
HK$40,223
baseline
▲ 0.50% · 4.625%
HK$42,343
+HK$2,120/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,446/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,019
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,264
−HK$1,265/mo
Today · 4.125%
HK$42,529
baseline
▲ 0.50% · 4.625%
HK$45,117
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,058/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,521
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,715
−HK$1,212/mo
Today · 4.125%
HK$46,927
baseline
▲ 0.50% · 4.625%
HK$49,400
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,854/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,454
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,054
−HK$1,626/mo
Today · 4.125%
HK$54,680
baseline
▲ 0.50% · 4.625%
HK$58,007
+HK$3,327/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,360/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,242
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,777
−HK$1,557/mo
Today · 4.125%
HK$60,334
baseline
▲ 0.50% · 4.625%
HK$63,515
+HK$3,181/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,668/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,101 · Scale 2, in force from 26 Feb 2026)