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$28,557
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,445
−HK$903/mo
Today · 4.125%
HK$30,348
baseline
▲ 0.50% · 4.625%
HK$32,194
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,696/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,769
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,621
−HK$865/mo
Today · 4.125%
HK$33,486
baseline
▲ 0.50% · 4.625%
HK$35,251
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,972/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,268
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,334
−HK$1,083/mo
Today · 4.125%
HK$36,417
baseline
▲ 0.50% · 4.625%
HK$38,633
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,834/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,123
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,146
−HK$1,037/mo
Today · 4.125%
HK$40,183
baseline
▲ 0.50% · 4.625%
HK$42,301
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,366/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,980
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,223
−HK$1,264/mo
Today · 4.125%
HK$42,487
baseline
▲ 0.50% · 4.625%
HK$45,072
+HK$2,585/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,974/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,477
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,670
−HK$1,210/mo
Today · 4.125%
HK$46,880
baseline
▲ 0.50% · 4.625%
HK$49,351
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,760/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,402
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,001
−HK$1,625/mo
Today · 4.125%
HK$54,626
baseline
▲ 0.50% · 4.625%
HK$57,950
+HK$3,324/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,252/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,185
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,718
−HK$1,556/mo
Today · 4.125%
HK$60,274
baseline
▲ 0.50% · 4.625%
HK$63,451
+HK$3,177/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,548/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,634 · Scale 2, in force from 26 Feb 2026)