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$28,567
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,456
−HK$903/mo
Today · 4.125%
HK$30,359
baseline
▲ 0.50% · 4.625%
HK$32,206
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,718/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,781
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,633
−HK$865/mo
Today · 4.125%
HK$33,498
baseline
▲ 0.50% · 4.625%
HK$35,263
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,996/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,281
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,347
−HK$1,083/mo
Today · 4.125%
HK$36,430
baseline
▲ 0.50% · 4.625%
HK$38,647
+HK$2,217/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,860/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,137
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,160
−HK$1,037/mo
Today · 4.125%
HK$40,197
baseline
▲ 0.50% · 4.625%
HK$42,316
+HK$2,119/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,394/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,994
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,238
−HK$1,264/mo
Today · 4.125%
HK$42,502
baseline
▲ 0.50% · 4.625%
HK$45,088
+HK$2,586/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,004/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,493
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,686
−HK$1,211/mo
Today · 4.125%
HK$46,897
baseline
▲ 0.50% · 4.625%
HK$49,369
+HK$2,472/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,794/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,421
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,020
−HK$1,625/mo
Today · 4.125%
HK$54,645
baseline
▲ 0.50% · 4.625%
HK$57,970
+HK$3,325/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,290/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,205
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,739
−HK$1,557/mo
Today · 4.125%
HK$60,296
baseline
▲ 0.50% · 4.625%
HK$63,474
+HK$3,178/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,592/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,802 · Scale 2, in force from 26 Feb 2026)