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$28,551
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,439
−HK$902/mo
Today · 4.125%
HK$30,341
baseline
▲ 0.50% · 4.625%
HK$32,188
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,682/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,763
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,614
−HK$865/mo
Today · 4.125%
HK$33,479
baseline
▲ 0.50% · 4.625%
HK$35,243
+HK$1,764/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,958/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,261
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,327
−HK$1,083/mo
Today · 4.125%
HK$36,410
baseline
▲ 0.50% · 4.625%
HK$38,625
+HK$2,215/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,820/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,115
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,137
−HK$1,037/mo
Today · 4.125%
HK$40,174
baseline
▲ 0.50% · 4.625%
HK$42,292
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,348/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,971
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,215
−HK$1,263/mo
Today · 4.125%
HK$42,478
baseline
▲ 0.50% · 4.625%
HK$45,063
+HK$2,585/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$84,956/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,468
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,660
−HK$1,210/mo
Today · 4.125%
HK$46,870
baseline
▲ 0.50% · 4.625%
HK$49,341
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$93,740/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,392
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,990
−HK$1,624/mo
Today · 4.125%
HK$54,614
baseline
▲ 0.50% · 4.625%
HK$57,938
+HK$3,324/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,228/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,173
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,706
−HK$1,556/mo
Today · 4.125%
HK$60,262
baseline
▲ 0.50% · 4.625%
HK$63,438
+HK$3,176/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,524/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,535 · Scale 2, in force from 26 Feb 2026)