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$28,558
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,447
−HK$902/mo
Today · 4.125%
HK$30,349
baseline
▲ 0.50% · 4.625%
HK$32,196
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,698/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,771
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,623
−HK$865/mo
Today · 4.125%
HK$33,488
baseline
▲ 0.50% · 4.625%
HK$35,253
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,976/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,270
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,336
−HK$1,083/mo
Today · 4.125%
HK$36,419
baseline
▲ 0.50% · 4.625%
HK$38,635
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,838/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,125
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,148
−HK$1,037/mo
Today · 4.125%
HK$40,185
baseline
▲ 0.50% · 4.625%
HK$42,303
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,370/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,982
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,226
−HK$1,263/mo
Today · 4.125%
HK$42,489
baseline
▲ 0.50% · 4.625%
HK$45,074
+HK$2,585/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,978/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,479
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,672
−HK$1,211/mo
Today · 4.125%
HK$46,883
baseline
▲ 0.50% · 4.625%
HK$49,354
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,766/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,405
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,004
−HK$1,625/mo
Today · 4.125%
HK$54,629
baseline
▲ 0.50% · 4.625%
HK$57,953
+HK$3,324/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,258/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,188
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,722
−HK$1,556/mo
Today · 4.125%
HK$60,278
baseline
▲ 0.50% · 4.625%
HK$63,455
+HK$3,177/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,556/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,660 · Scale 2, in force from 26 Feb 2026)