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$28,569
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,458
−HK$903/mo
Today · 4.125%
HK$30,361
baseline
▲ 0.50% · 4.625%
HK$32,208
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,722/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,783
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,635
−HK$865/mo
Today · 4.125%
HK$33,500
baseline
▲ 0.50% · 4.625%
HK$35,266
+HK$1,766/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$67,000/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,283
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,350
−HK$1,083/mo
Today · 4.125%
HK$36,433
baseline
▲ 0.50% · 4.625%
HK$38,650
+HK$2,217/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,866/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,140
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,163
−HK$1,037/mo
Today · 4.125%
HK$40,200
baseline
▲ 0.50% · 4.625%
HK$42,319
+HK$2,119/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,400/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,997
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,241
−HK$1,264/mo
Today · 4.125%
HK$42,505
baseline
▲ 0.50% · 4.625%
HK$45,092
+HK$2,587/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,010/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,496
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,690
−HK$1,210/mo
Today · 4.125%
HK$46,900
baseline
▲ 0.50% · 4.625%
HK$49,372
+HK$2,472/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,800/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,425
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,024
−HK$1,626/mo
Today · 4.125%
HK$54,650
baseline
▲ 0.50% · 4.625%
HK$57,975
+HK$3,325/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,300/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,209
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,744
−HK$1,556/mo
Today · 4.125%
HK$60,300
baseline
▲ 0.50% · 4.625%
HK$63,479
+HK$3,179/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,600/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,837 · Scale 2, in force from 26 Feb 2026)