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$28,547
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,435
−HK$902/mo
Today · 4.125%
HK$30,337
baseline
▲ 0.50% · 4.625%
HK$32,183
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,674/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,758
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,610
−HK$864/mo
Today · 4.125%
HK$33,474
baseline
▲ 0.50% · 4.625%
HK$35,239
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,948/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,256
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,322
−HK$1,083/mo
Today · 4.125%
HK$36,405
baseline
▲ 0.50% · 4.625%
HK$38,620
+HK$2,215/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,810/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,110
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,132
−HK$1,037/mo
Today · 4.125%
HK$40,169
baseline
▲ 0.50% · 4.625%
HK$42,286
+HK$2,117/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,338/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,966
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,209
−HK$1,263/mo
Today · 4.125%
HK$42,472
baseline
▲ 0.50% · 4.625%
HK$45,056
+HK$2,584/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$84,944/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,462
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,654
−HK$1,210/mo
Today · 4.125%
HK$46,864
baseline
▲ 0.50% · 4.625%
HK$49,334
+HK$2,470/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$93,728/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,385
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,983
−HK$1,624/mo
Today · 4.125%
HK$54,607
baseline
▲ 0.50% · 4.625%
HK$57,930
+HK$3,323/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,214/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,165
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,698
−HK$1,555/mo
Today · 4.125%
HK$60,253
baseline
▲ 0.50% · 4.625%
HK$63,429
+HK$3,176/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,506/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,471 · Scale 2, in force from 26 Feb 2026)