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$28,534
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,421
−HK$902/mo
Today · 4.125%
HK$30,323
baseline
▲ 0.50% · 4.625%
HK$32,168
+HK$1,845/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,646/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,744
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,595
−HK$864/mo
Today · 4.125%
HK$33,459
baseline
▲ 0.50% · 4.625%
HK$35,222
+HK$1,763/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,918/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,241
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,306
−HK$1,082/mo
Today · 4.125%
HK$36,388
baseline
▲ 0.50% · 4.625%
HK$38,602
+HK$2,214/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,776/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,092
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,114
−HK$1,036/mo
Today · 4.125%
HK$40,150
baseline
▲ 0.50% · 4.625%
HK$42,267
+HK$2,117/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,300/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,947
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,190
−HK$1,262/mo
Today · 4.125%
HK$42,452
baseline
▲ 0.50% · 4.625%
HK$45,035
+HK$2,583/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,904/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,441
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,633
−HK$1,209/mo
Today · 4.125%
HK$46,842
baseline
▲ 0.50% · 4.625%
HK$49,311
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,684/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,361
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,958
−HK$1,624/mo
Today · 4.125%
HK$54,582
baseline
▲ 0.50% · 4.625%
HK$57,903
+HK$3,321/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,164/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,138
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,671
−HK$1,554/mo
Today · 4.125%
HK$60,225
baseline
▲ 0.50% · 4.625%
HK$63,400
+HK$3,175/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,450/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,253 · Scale 2, in force from 26 Feb 2026)