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$28,532
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,420
−HK$901/mo
Today · 4.125%
HK$30,321
baseline
▲ 0.50% · 4.625%
HK$32,166
+HK$1,845/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,642/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,742
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,593
−HK$864/mo
Today · 4.125%
HK$33,457
baseline
▲ 0.50% · 4.625%
HK$35,220
+HK$1,763/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,914/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,239
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,304
−HK$1,082/mo
Today · 4.125%
HK$36,386
baseline
▲ 0.50% · 4.625%
HK$38,600
+HK$2,214/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,772/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,090
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,112
−HK$1,036/mo
Today · 4.125%
HK$40,148
baseline
▲ 0.50% · 4.625%
HK$42,264
+HK$2,116/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,296/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,945
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,188
−HK$1,262/mo
Today · 4.125%
HK$42,450
baseline
▲ 0.50% · 4.625%
HK$45,033
+HK$2,583/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,900/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,438
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,630
−HK$1,209/mo
Today · 4.125%
HK$46,839
baseline
▲ 0.50% · 4.625%
HK$49,308
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,678/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,358
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,955
−HK$1,624/mo
Today · 4.125%
HK$54,579
baseline
▲ 0.50% · 4.625%
HK$57,900
+HK$3,321/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,158/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,135
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,668
−HK$1,554/mo
Today · 4.125%
HK$60,222
baseline
▲ 0.50% · 4.625%
HK$63,396
+HK$3,174/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,444/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,227 · Scale 2, in force from 26 Feb 2026)