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$28,546
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,434
−HK$902/mo
Today · 4.125%
HK$30,336
baseline
▲ 0.50% · 4.625%
HK$32,182
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,672/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,757
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,609
−HK$864/mo
Today · 4.125%
HK$33,473
baseline
▲ 0.50% · 4.625%
HK$35,237
+HK$1,764/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,946/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,255
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,321
−HK$1,082/mo
Today · 4.125%
HK$36,403
baseline
▲ 0.50% · 4.625%
HK$38,618
+HK$2,215/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,806/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,108
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,130
−HK$1,037/mo
Today · 4.125%
HK$40,167
baseline
▲ 0.50% · 4.625%
HK$42,284
+HK$2,117/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,334/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,964
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,207
−HK$1,263/mo
Today · 4.125%
HK$42,470
baseline
▲ 0.50% · 4.625%
HK$45,054
+HK$2,584/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$84,940/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,460
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,652
−HK$1,210/mo
Today · 4.125%
HK$46,862
baseline
▲ 0.50% · 4.625%
HK$49,332
+HK$2,470/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$93,724/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,382
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,981
−HK$1,624/mo
Today · 4.125%
HK$54,605
baseline
▲ 0.50% · 4.625%
HK$57,927
+HK$3,322/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,210/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,163
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,696
−HK$1,555/mo
Today · 4.125%
HK$60,251
baseline
▲ 0.50% · 4.625%
HK$63,427
+HK$3,176/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,502/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,451 · Scale 2, in force from 26 Feb 2026)