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$28,575
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,464
−HK$903/mo
Today · 4.125%
HK$30,367
baseline
▲ 0.50% · 4.625%
HK$32,214
+HK$1,847/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,734/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$469,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,789
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,642
−HK$865/mo
Today · 4.125%
HK$33,507
baseline
▲ 0.50% · 4.625%
HK$35,273
+HK$1,766/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,014/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$469,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,290
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,356
−HK$1,084/mo
Today · 4.125%
HK$36,440
baseline
▲ 0.50% · 4.625%
HK$38,657
+HK$2,217/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,880/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,147
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,170
−HK$1,038/mo
Today · 4.125%
HK$40,208
baseline
▲ 0.50% · 4.625%
HK$42,327
+HK$2,119/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,416/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,005
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,249
−HK$1,264/mo
Today · 4.125%
HK$42,513
baseline
▲ 0.50% · 4.625%
HK$45,100
+HK$2,587/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,026/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,505
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,698
−HK$1,211/mo
Today · 4.125%
HK$46,909
baseline
▲ 0.50% · 4.625%
HK$49,382
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,818/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,434
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,034
−HK$1,626/mo
Today · 4.125%
HK$54,660
baseline
▲ 0.50% · 4.625%
HK$57,986
+HK$3,326/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,320/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,220
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,755
−HK$1,557/mo
Today · 4.125%
HK$60,312
baseline
▲ 0.50% · 4.625%
HK$63,491
+HK$3,179/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,624/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,926 · Scale 2, in force from 26 Feb 2026)