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$28,607
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,496
−HK$904/mo
Today · 4.125%
HK$30,400
baseline
▲ 0.50% · 4.625%
HK$32,250
+HK$1,850/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,800/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,824
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,678
−HK$866/mo
Today · 4.125%
HK$33,544
baseline
▲ 0.50% · 4.625%
HK$35,312
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,088/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,328
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,396
−HK$1,084/mo
Today · 4.125%
HK$36,480
baseline
▲ 0.50% · 4.625%
HK$38,700
+HK$2,220/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,960/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,189
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,214
−HK$1,039/mo
Today · 4.125%
HK$40,253
baseline
▲ 0.50% · 4.625%
HK$42,374
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,506/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,049
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,295
−HK$1,266/mo
Today · 4.125%
HK$42,561
baseline
▲ 0.50% · 4.625%
HK$45,150
+HK$2,589/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,122/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,554
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,749
−HK$1,212/mo
Today · 4.125%
HK$46,961
baseline
▲ 0.50% · 4.625%
HK$49,437
+HK$2,476/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,922/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,492
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,093
−HK$1,628/mo
Today · 4.125%
HK$54,721
baseline
▲ 0.50% · 4.625%
HK$58,050
+HK$3,329/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,442/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,284
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,820
−HK$1,559/mo
Today · 4.125%
HK$60,379
baseline
▲ 0.50% · 4.625%
HK$63,562
+HK$3,183/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,758/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,450 · Scale 2, in force from 26 Feb 2026)