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$28,573
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,462
−HK$903/mo
Today · 4.125%
HK$30,365
baseline
▲ 0.50% · 4.625%
HK$32,212
+HK$1,847/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,730/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$469,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,787
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,639
−HK$865/mo
Today · 4.125%
HK$33,504
baseline
▲ 0.50% · 4.625%
HK$35,270
+HK$1,766/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,008/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$469,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,287
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,354
−HK$1,084/mo
Today · 4.125%
HK$36,438
baseline
▲ 0.50% · 4.625%
HK$38,655
+HK$2,217/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,876/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,144
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,167
−HK$1,038/mo
Today · 4.125%
HK$40,205
baseline
▲ 0.50% · 4.625%
HK$42,324
+HK$2,119/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,410/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,002
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,246
−HK$1,264/mo
Today · 4.125%
HK$42,510
baseline
▲ 0.50% · 4.625%
HK$45,097
+HK$2,587/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,020/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,502
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,695
−HK$1,211/mo
Today · 4.125%
HK$46,906
baseline
▲ 0.50% · 4.625%
HK$49,379
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,812/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,431
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,031
−HK$1,625/mo
Today · 4.125%
HK$54,656
baseline
▲ 0.50% · 4.625%
HK$57,982
+HK$3,326/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,312/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,217
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,751
−HK$1,557/mo
Today · 4.125%
HK$60,308
baseline
▲ 0.50% · 4.625%
HK$63,487
+HK$3,179/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,616/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,895 · Scale 2, in force from 26 Feb 2026)