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$28,540
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,428
−HK$902/mo
Today · 4.125%
HK$30,330
baseline
▲ 0.50% · 4.625%
HK$32,176
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,660/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,751
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,603
−HK$863/mo
Today · 4.125%
HK$33,466
baseline
▲ 0.50% · 4.625%
HK$35,230
+HK$1,764/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,932/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,249
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,314
−HK$1,082/mo
Today · 4.125%
HK$36,396
baseline
▲ 0.50% · 4.625%
HK$38,611
+HK$2,215/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,792/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,101
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,123
−HK$1,037/mo
Today · 4.125%
HK$40,160
baseline
▲ 0.50% · 4.625%
HK$42,277
+HK$2,117/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,320/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,957
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,200
−HK$1,262/mo
Today · 4.125%
HK$42,462
baseline
▲ 0.50% · 4.625%
HK$45,046
+HK$2,584/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,924/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,451
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,644
−HK$1,209/mo
Today · 4.125%
HK$46,853
baseline
▲ 0.50% · 4.625%
HK$49,323
+HK$2,470/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,706/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,373
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,971
−HK$1,623/mo
Today · 4.125%
HK$54,594
baseline
▲ 0.50% · 4.625%
HK$57,916
+HK$3,322/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,188/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,152
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,685
−HK$1,555/mo
Today · 4.125%
HK$60,240
baseline
▲ 0.50% · 4.625%
HK$63,415
+HK$3,175/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,480/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,364 · Scale 2, in force from 26 Feb 2026)