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$28,563
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,451
−HK$903/mo
Today · 4.125%
HK$30,354
baseline
▲ 0.50% · 4.625%
HK$32,201
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,708/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,776
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,628
−HK$864/mo
Today · 4.125%
HK$33,492
baseline
▲ 0.50% · 4.625%
HK$35,258
+HK$1,766/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,984/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,275
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,341
−HK$1,083/mo
Today · 4.125%
HK$36,424
baseline
▲ 0.50% · 4.625%
HK$38,641
+HK$2,217/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,848/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,131
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,153
−HK$1,038/mo
Today · 4.125%
HK$40,191
baseline
▲ 0.50% · 4.625%
HK$42,309
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,382/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,988
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,231
−HK$1,264/mo
Today · 4.125%
HK$42,495
baseline
▲ 0.50% · 4.625%
HK$45,081
+HK$2,586/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,990/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,486
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,679
−HK$1,210/mo
Today · 4.125%
HK$46,889
baseline
▲ 0.50% · 4.625%
HK$49,361
+HK$2,472/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,778/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,413
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,012
−HK$1,625/mo
Today · 4.125%
HK$54,637
baseline
▲ 0.50% · 4.625%
HK$57,961
+HK$3,324/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,274/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,196
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,730
−HK$1,556/mo
Today · 4.125%
HK$60,286
baseline
▲ 0.50% · 4.625%
HK$63,464
+HK$3,178/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,572/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,726 · Scale 2, in force from 26 Feb 2026)