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$28,553
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,441
−HK$903/mo
Today · 4.125%
HK$30,344
baseline
▲ 0.50% · 4.625%
HK$32,190
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,688/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,765
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,617
−HK$864/mo
Today · 4.125%
HK$33,481
baseline
▲ 0.50% · 4.625%
HK$35,246
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,962/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,264
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,330
−HK$1,082/mo
Today · 4.125%
HK$36,412
baseline
▲ 0.50% · 4.625%
HK$38,628
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,824/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,118
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,140
−HK$1,037/mo
Today · 4.125%
HK$40,177
baseline
▲ 0.50% · 4.625%
HK$42,295
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,354/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,974
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,218
−HK$1,263/mo
Today · 4.125%
HK$42,481
baseline
▲ 0.50% · 4.625%
HK$45,066
+HK$2,585/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,962/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,471
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,664
−HK$1,210/mo
Today · 4.125%
HK$46,874
baseline
▲ 0.50% · 4.625%
HK$49,344
+HK$2,470/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,748/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,396
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,994
−HK$1,625/mo
Today · 4.125%
HK$54,619
baseline
▲ 0.50% · 4.625%
HK$57,942
+HK$3,323/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,238/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,177
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,711
−HK$1,555/mo
Today · 4.125%
HK$60,266
baseline
▲ 0.50% · 4.625%
HK$63,443
+HK$3,177/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,532/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,571 · Scale 2, in force from 26 Feb 2026)