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$28,584
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,473
−HK$903/mo
Today · 4.125%
HK$30,376
baseline
▲ 0.50% · 4.625%
HK$32,225
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,752/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,799
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,652
−HK$865/mo
Today · 4.125%
HK$33,517
baseline
▲ 0.50% · 4.625%
HK$35,284
+HK$1,767/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,034/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,301
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,368
−HK$1,084/mo
Today · 4.125%
HK$36,452
baseline
▲ 0.50% · 4.625%
HK$38,670
+HK$2,218/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,904/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,159
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,183
−HK$1,038/mo
Today · 4.125%
HK$40,221
baseline
▲ 0.50% · 4.625%
HK$42,341
+HK$2,120/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,442/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$470,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,018
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,262
−HK$1,265/mo
Today · 4.125%
HK$42,527
baseline
▲ 0.50% · 4.625%
HK$45,115
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,054/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,519
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,713
−HK$1,211/mo
Today · 4.125%
HK$46,924
baseline
▲ 0.50% · 4.625%
HK$49,398
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,848/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,451
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,052
−HK$1,626/mo
Today · 4.125%
HK$54,678
baseline
▲ 0.50% · 4.625%
HK$58,005
+HK$3,327/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,356/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,239
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,774
−HK$1,557/mo
Today · 4.125%
HK$60,331
baseline
▲ 0.50% · 4.625%
HK$63,512
+HK$3,181/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,662/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,079 · Scale 2, in force from 26 Feb 2026)