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$28,590
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,479
−HK$903/mo
Today · 4.125%
HK$30,382
baseline
▲ 0.50% · 4.625%
HK$32,231
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,764/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,806
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,659
−HK$865/mo
Today · 4.125%
HK$33,524
baseline
▲ 0.50% · 4.625%
HK$35,291
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,048/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,307
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,375
−HK$1,084/mo
Today · 4.125%
HK$36,459
baseline
▲ 0.50% · 4.625%
HK$38,677
+HK$2,218/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$72,918/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,167
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,190
−HK$1,039/mo
Today · 4.125%
HK$40,229
baseline
▲ 0.50% · 4.625%
HK$42,349
+HK$2,120/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$80,458/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,025
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,270
−HK$1,265/mo
Today · 4.125%
HK$42,535
baseline
▲ 0.50% · 4.625%
HK$45,123
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,070/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,528
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,722
−HK$1,211/mo
Today · 4.125%
HK$46,933
baseline
▲ 0.50% · 4.625%
HK$49,407
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,866/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,461
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,062
−HK$1,626/mo
Today · 4.125%
HK$54,688
baseline
▲ 0.50% · 4.625%
HK$58,016
+HK$3,328/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,376/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,250
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,785
−HK$1,558/mo
Today · 4.125%
HK$60,343
baseline
▲ 0.50% · 4.625%
HK$63,524
+HK$3,181/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,686/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,170 · Scale 2, in force from 26 Feb 2026)