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$1,793/mo
▼ 0.25% · 3.875%
HK$29,468
−HK$904/mo
Today · 4.125%
HK$30,372
baseline
▲ 0.50% · 4.625%
HK$32,220
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,744/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,794
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,647
−HK$865/mo
Today · 4.125%
HK$33,512
baseline
▲ 0.50% · 4.625%
HK$35,279
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,024/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,295
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,362
−HK$1,084/mo
Today · 4.125%
HK$36,446
baseline
▲ 0.50% · 4.625%
HK$38,664
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,892/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,153
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,176
−HK$1,039/mo
Today · 4.125%
HK$40,215
baseline
▲ 0.50% · 4.625%
HK$42,334
+HK$2,119/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,430/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,011
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,256
−HK$1,264/mo
Today · 4.125%
HK$42,520
baseline
▲ 0.50% · 4.625%
HK$45,108
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,040/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,512
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,706
−HK$1,211/mo
Today · 4.125%
HK$46,917
baseline
▲ 0.50% · 4.625%
HK$49,390
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,834/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,443
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,043
−HK$1,626/mo
Today · 4.125%
HK$54,669
baseline
▲ 0.50% · 4.625%
HK$57,995
+HK$3,326/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,338/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,230
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,765
−HK$1,557/mo
Today · 4.125%
HK$60,322
baseline
▲ 0.50% · 4.625%
HK$63,501
+HK$3,179/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,644/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,005 · Scale 2, in force from 26 Feb 2026)