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$28,562
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,451
−HK$902/mo
Today · 4.125%
HK$30,353
baseline
▲ 0.50% · 4.625%
HK$32,200
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,706/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,775
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,627
−HK$865/mo
Today · 4.125%
HK$33,492
baseline
▲ 0.50% · 4.625%
HK$35,257
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,984/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,275
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,341
−HK$1,083/mo
Today · 4.125%
HK$36,424
baseline
▲ 0.50% · 4.625%
HK$38,640
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,848/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,130
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,153
−HK$1,037/mo
Today · 4.125%
HK$40,190
baseline
▲ 0.50% · 4.625%
HK$42,309
+HK$2,119/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,380/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,987
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,231
−HK$1,264/mo
Today · 4.125%
HK$42,495
baseline
▲ 0.50% · 4.625%
HK$45,080
+HK$2,585/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,990/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,485
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,678
−HK$1,211/mo
Today · 4.125%
HK$46,889
baseline
▲ 0.50% · 4.625%
HK$49,360
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,778/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,412
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,011
−HK$1,625/mo
Today · 4.125%
HK$54,636
baseline
▲ 0.50% · 4.625%
HK$57,961
+HK$3,325/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,272/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,195
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,729
−HK$1,557/mo
Today · 4.125%
HK$60,286
baseline
▲ 0.50% · 4.625%
HK$63,463
+HK$3,177/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,572/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,722 · Scale 2, in force from 26 Feb 2026)