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$28,535
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,422
−HK$902/mo
Today · 4.125%
HK$30,324
baseline
▲ 0.50% · 4.625%
HK$32,169
+HK$1,845/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,648/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,745
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,596
−HK$864/mo
Today · 4.125%
HK$33,460
baseline
▲ 0.50% · 4.625%
HK$35,223
+HK$1,763/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,920/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,242
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,307
−HK$1,082/mo
Today · 4.125%
HK$36,389
baseline
▲ 0.50% · 4.625%
HK$38,603
+HK$2,214/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,778/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,094
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,115
−HK$1,037/mo
Today · 4.125%
HK$40,152
baseline
▲ 0.50% · 4.625%
HK$42,268
+HK$2,116/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,304/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,949
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,191
−HK$1,263/mo
Today · 4.125%
HK$42,454
baseline
▲ 0.50% · 4.625%
HK$45,037
+HK$2,583/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,908/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,443
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,635
−HK$1,209/mo
Today · 4.125%
HK$46,844
baseline
▲ 0.50% · 4.625%
HK$49,313
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,688/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,363
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,960
−HK$1,624/mo
Today · 4.125%
HK$54,584
baseline
▲ 0.50% · 4.625%
HK$57,905
+HK$3,321/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,168/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,140
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,673
−HK$1,555/mo
Today · 4.125%
HK$60,228
baseline
▲ 0.50% · 4.625%
HK$63,402
+HK$3,174/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,456/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,270 · Scale 2, in force from 26 Feb 2026)