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$28,593
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,483
−HK$903/mo
Today · 4.125%
HK$30,386
baseline
▲ 0.50% · 4.625%
HK$32,235
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,772/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,810
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,663
−HK$865/mo
Today · 4.125%
HK$33,528
baseline
▲ 0.50% · 4.625%
HK$35,296
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,056/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,312
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,379
−HK$1,085/mo
Today · 4.125%
HK$36,464
baseline
▲ 0.50% · 4.625%
HK$38,682
+HK$2,218/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$72,928/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,172
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,196
−HK$1,038/mo
Today · 4.125%
HK$40,234
baseline
▲ 0.50% · 4.625%
HK$42,355
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$80,468/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,031
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,276
−HK$1,265/mo
Today · 4.125%
HK$42,541
baseline
▲ 0.50% · 4.625%
HK$45,130
+HK$2,589/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,082/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,534
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,728
−HK$1,212/mo
Today · 4.125%
HK$46,940
baseline
▲ 0.50% · 4.625%
HK$49,414
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,880/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,468
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,069
−HK$1,627/mo
Today · 4.125%
HK$54,696
baseline
▲ 0.50% · 4.625%
HK$58,024
+HK$3,328/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,392/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,258
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,793
−HK$1,558/mo
Today · 4.125%
HK$60,351
baseline
▲ 0.50% · 4.625%
HK$63,532
+HK$3,181/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,702/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,234 · Scale 2, in force from 26 Feb 2026)