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$28,566
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,455
−HK$902/mo
Today · 4.125%
HK$30,357
baseline
▲ 0.50% · 4.625%
HK$32,205
+HK$1,848/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,714/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,779
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,632
−HK$864/mo
Today · 4.125%
HK$33,496
baseline
▲ 0.50% · 4.625%
HK$35,262
+HK$1,766/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,992/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,279
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,346
−HK$1,083/mo
Today · 4.125%
HK$36,429
baseline
▲ 0.50% · 4.625%
HK$38,645
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,858/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,135
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,158
−HK$1,038/mo
Today · 4.125%
HK$40,196
baseline
▲ 0.50% · 4.625%
HK$42,314
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,392/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,992
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,236
−HK$1,264/mo
Today · 4.125%
HK$42,500
baseline
▲ 0.50% · 4.625%
HK$45,086
+HK$2,586/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,000/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,491
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,684
−HK$1,211/mo
Today · 4.125%
HK$46,895
baseline
▲ 0.50% · 4.625%
HK$49,367
+HK$2,472/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,790/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,419
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,018
−HK$1,625/mo
Today · 4.125%
HK$54,643
baseline
▲ 0.50% · 4.625%
HK$57,968
+HK$3,325/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,286/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,203
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,737
−HK$1,556/mo
Today · 4.125%
HK$60,293
baseline
▲ 0.50% · 4.625%
HK$63,472
+HK$3,179/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,586/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,784 · Scale 2, in force from 26 Feb 2026)