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$28,543
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,431
−HK$902/mo
Today · 4.125%
HK$30,333
baseline
▲ 0.50% · 4.625%
HK$32,178
+HK$1,845/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,666/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,753
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,605
−HK$864/mo
Today · 4.125%
HK$33,469
baseline
▲ 0.50% · 4.625%
HK$35,233
+HK$1,764/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,938/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,251
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,317
−HK$1,082/mo
Today · 4.125%
HK$36,399
baseline
▲ 0.50% · 4.625%
HK$38,614
+HK$2,215/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,798/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,104
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,126
−HK$1,037/mo
Today · 4.125%
HK$40,163
baseline
▲ 0.50% · 4.625%
HK$42,280
+HK$2,117/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,326/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,960
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,203
−HK$1,263/mo
Today · 4.125%
HK$42,466
baseline
▲ 0.50% · 4.625%
HK$45,050
+HK$2,584/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$84,932/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,455
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,647
−HK$1,210/mo
Today · 4.125%
HK$46,857
baseline
▲ 0.50% · 4.625%
HK$49,327
+HK$2,470/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$93,714/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,377
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,975
−HK$1,624/mo
Today · 4.125%
HK$54,599
baseline
▲ 0.50% · 4.625%
HK$57,921
+HK$3,322/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,198/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,156
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,689
−HK$1,555/mo
Today · 4.125%
HK$60,244
baseline
▲ 0.50% · 4.625%
HK$63,420
+HK$3,176/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,488/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,400 · Scale 2, in force from 26 Feb 2026)