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$28,571
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,460
−HK$903/mo
Today · 4.125%
HK$30,363
baseline
▲ 0.50% · 4.625%
HK$32,210
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,726/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,785
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,637
−HK$865/mo
Today · 4.125%
HK$33,502
baseline
▲ 0.50% · 4.625%
HK$35,268
+HK$1,766/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$67,004/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,285
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,352
−HK$1,083/mo
Today · 4.125%
HK$36,435
baseline
▲ 0.50% · 4.625%
HK$38,652
+HK$2,217/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,870/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,142
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,165
−HK$1,038/mo
Today · 4.125%
HK$40,203
baseline
▲ 0.50% · 4.625%
HK$42,322
+HK$2,119/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,406/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,999
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,244
−HK$1,264/mo
Today · 4.125%
HK$42,508
baseline
▲ 0.50% · 4.625%
HK$45,094
+HK$2,586/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,016/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,499
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,692
−HK$1,211/mo
Today · 4.125%
HK$46,903
baseline
▲ 0.50% · 4.625%
HK$49,375
+HK$2,472/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,806/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,428
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,027
−HK$1,626/mo
Today · 4.125%
HK$54,653
baseline
▲ 0.50% · 4.625%
HK$57,978
+HK$3,325/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,306/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,213
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,747
−HK$1,557/mo
Today · 4.125%
HK$60,304
baseline
▲ 0.50% · 4.625%
HK$63,483
+HK$3,179/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,608/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,865 · Scale 2, in force from 26 Feb 2026)