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$28,549
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,437
−HK$902/mo
Today · 4.125%
HK$30,339
baseline
▲ 0.50% · 4.625%
HK$32,185
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,678/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,760
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,612
−HK$864/mo
Today · 4.125%
HK$33,476
baseline
▲ 0.50% · 4.625%
HK$35,241
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,952/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,258
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,324
−HK$1,083/mo
Today · 4.125%
HK$36,407
baseline
▲ 0.50% · 4.625%
HK$38,622
+HK$2,215/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,814/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,112
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,134
−HK$1,037/mo
Today · 4.125%
HK$40,171
baseline
▲ 0.50% · 4.625%
HK$42,289
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,342/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,968
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,211
−HK$1,263/mo
Today · 4.125%
HK$42,474
baseline
▲ 0.50% · 4.625%
HK$45,059
+HK$2,585/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$84,948/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,464
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,657
−HK$1,209/mo
Today · 4.125%
HK$46,866
baseline
▲ 0.50% · 4.625%
HK$49,337
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$93,732/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,388
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,986
−HK$1,624/mo
Today · 4.125%
HK$54,610
baseline
▲ 0.50% · 4.625%
HK$57,933
+HK$3,323/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,220/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,168
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,701
−HK$1,556/mo
Today · 4.125%
HK$60,257
baseline
▲ 0.50% · 4.625%
HK$63,433
+HK$3,176/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,514/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,497 · Scale 2, in force from 26 Feb 2026)