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$28,565
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,454
−HK$903/mo
Today · 4.125%
HK$30,357
baseline
▲ 0.50% · 4.625%
HK$32,204
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,714/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,779
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,631
−HK$864/mo
Today · 4.125%
HK$33,495
baseline
▲ 0.50% · 4.625%
HK$35,261
+HK$1,766/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,990/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,278
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,345
−HK$1,083/mo
Today · 4.125%
HK$36,428
baseline
▲ 0.50% · 4.625%
HK$38,644
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,856/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,134
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,157
−HK$1,038/mo
Today · 4.125%
HK$40,195
baseline
▲ 0.50% · 4.625%
HK$42,313
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,390/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,991
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,235
−HK$1,264/mo
Today · 4.125%
HK$42,499
baseline
▲ 0.50% · 4.625%
HK$45,085
+HK$2,586/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,998/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,490
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,683
−HK$1,211/mo
Today · 4.125%
HK$46,894
baseline
▲ 0.50% · 4.625%
HK$49,365
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,788/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,417
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,017
−HK$1,625/mo
Today · 4.125%
HK$54,642
baseline
▲ 0.50% · 4.625%
HK$57,967
+HK$3,325/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,284/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,201
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,735
−HK$1,557/mo
Today · 4.125%
HK$60,292
baseline
▲ 0.50% · 4.625%
HK$63,470
+HK$3,178/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,584/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,771 · Scale 2, in force from 26 Feb 2026)