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$28,561
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,449
−HK$903/mo
Today · 4.125%
HK$30,352
baseline
▲ 0.50% · 4.625%
HK$32,199
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,704/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,773
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,626
−HK$864/mo
Today · 4.125%
HK$33,490
baseline
▲ 0.50% · 4.625%
HK$35,255
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,980/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,273
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,339
−HK$1,083/mo
Today · 4.125%
HK$36,422
baseline
▲ 0.50% · 4.625%
HK$38,638
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,844/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,128
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,151
−HK$1,037/mo
Today · 4.125%
HK$40,188
baseline
▲ 0.50% · 4.625%
HK$42,306
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,376/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,985
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,229
−HK$1,263/mo
Today · 4.125%
HK$42,492
baseline
▲ 0.50% · 4.625%
HK$45,078
+HK$2,586/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,984/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,483
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,676
−HK$1,210/mo
Today · 4.125%
HK$46,886
baseline
▲ 0.50% · 4.625%
HK$49,358
+HK$2,472/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,772/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,409
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,008
−HK$1,625/mo
Today · 4.125%
HK$54,633
baseline
▲ 0.50% · 4.625%
HK$57,957
+HK$3,324/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,266/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,192
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,726
−HK$1,556/mo
Today · 4.125%
HK$60,282
baseline
▲ 0.50% · 4.625%
HK$63,460
+HK$3,178/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,564/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,696 · Scale 2, in force from 26 Feb 2026)