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$28,617
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,507
−HK$904/mo
Today · 4.125%
HK$30,411
baseline
▲ 0.50% · 4.625%
HK$32,262
+HK$1,851/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,822/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,836
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,690
−HK$866/mo
Today · 4.125%
HK$33,556
baseline
▲ 0.50% · 4.625%
HK$35,325
+HK$1,769/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,112/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,340
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,408
−HK$1,086/mo
Today · 4.125%
HK$36,494
baseline
▲ 0.50% · 4.625%
HK$38,714
+HK$2,220/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,988/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,203
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,228
−HK$1,039/mo
Today · 4.125%
HK$40,267
baseline
▲ 0.50% · 4.625%
HK$42,390
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,534/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,064
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,310
−HK$1,266/mo
Today · 4.125%
HK$42,576
baseline
▲ 0.50% · 4.625%
HK$45,167
+HK$2,591/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,152/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,570
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,766
−HK$1,212/mo
Today · 4.125%
HK$46,978
baseline
▲ 0.50% · 4.625%
HK$49,455
+HK$2,477/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,956/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,510
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,113
−HK$1,628/mo
Today · 4.125%
HK$54,741
baseline
▲ 0.50% · 4.625%
HK$58,071
+HK$3,330/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,482/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,305
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,842
−HK$1,559/mo
Today · 4.125%
HK$60,401
baseline
▲ 0.50% · 4.625%
HK$63,585
+HK$3,184/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,802/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,621 · Scale 2, in force from 26 Feb 2026)