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$28,577
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,466
−HK$903/mo
Today · 4.125%
HK$30,369
baseline
▲ 0.50% · 4.625%
HK$32,217
+HK$1,848/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,738/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$469,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,792
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,645
−HK$865/mo
Today · 4.125%
HK$33,510
baseline
▲ 0.50% · 4.625%
HK$35,276
+HK$1,766/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,020/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$469,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,293
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,359
−HK$1,084/mo
Today · 4.125%
HK$36,443
baseline
▲ 0.50% · 4.625%
HK$38,661
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,886/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,150
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,173
−HK$1,038/mo
Today · 4.125%
HK$40,211
baseline
▲ 0.50% · 4.625%
HK$42,331
+HK$2,120/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,422/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,008
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,253
−HK$1,264/mo
Today · 4.125%
HK$42,517
baseline
▲ 0.50% · 4.625%
HK$45,104
+HK$2,587/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,034/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,509
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,702
−HK$1,211/mo
Today · 4.125%
HK$46,913
baseline
▲ 0.50% · 4.625%
HK$49,386
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,826/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,439
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,039
−HK$1,626/mo
Today · 4.125%
HK$54,665
baseline
▲ 0.50% · 4.625%
HK$57,991
+HK$3,326/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,330/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,225
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,760
−HK$1,557/mo
Today · 4.125%
HK$60,317
baseline
▲ 0.50% · 4.625%
HK$63,497
+HK$3,180/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,634/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,968 · Scale 2, in force from 26 Feb 2026)