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$28,610
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,499
−HK$905/mo
Today · 4.125%
HK$30,404
baseline
▲ 0.50% · 4.625%
HK$32,254
+HK$1,850/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,808/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,828
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,681
−HK$866/mo
Today · 4.125%
HK$33,547
baseline
▲ 0.50% · 4.625%
HK$35,316
+HK$1,769/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,094/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,331
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,399
−HK$1,085/mo
Today · 4.125%
HK$36,484
baseline
▲ 0.50% · 4.625%
HK$38,704
+HK$2,220/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,968/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,193
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,218
−HK$1,039/mo
Today · 4.125%
HK$40,257
baseline
▲ 0.50% · 4.625%
HK$42,379
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,514/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,053
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,299
−HK$1,266/mo
Today · 4.125%
HK$42,565
baseline
▲ 0.50% · 4.625%
HK$45,155
+HK$2,590/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,130/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,559
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,754
−HK$1,212/mo
Today · 4.125%
HK$46,966
baseline
▲ 0.50% · 4.625%
HK$49,442
+HK$2,476/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,932/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,497
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,099
−HK$1,627/mo
Today · 4.125%
HK$54,726
baseline
▲ 0.50% · 4.625%
HK$58,056
+HK$3,330/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,452/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,290
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,827
−HK$1,558/mo
Today · 4.125%
HK$60,385
baseline
▲ 0.50% · 4.625%
HK$63,568
+HK$3,183/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,770/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,499 · Scale 2, in force from 26 Feb 2026)