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$28,536
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,423
−HK$902/mo
Today · 4.125%
HK$30,325
baseline
▲ 0.50% · 4.625%
HK$32,170
+HK$1,845/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,650/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,745
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,597
−HK$864/mo
Today · 4.125%
HK$33,461
baseline
▲ 0.50% · 4.625%
HK$35,224
+HK$1,763/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,922/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,243
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,308
−HK$1,082/mo
Today · 4.125%
HK$36,390
baseline
▲ 0.50% · 4.625%
HK$38,604
+HK$2,214/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,780/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,095
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,116
−HK$1,037/mo
Today · 4.125%
HK$40,153
baseline
▲ 0.50% · 4.625%
HK$42,269
+HK$2,116/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,306/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,950
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,192
−HK$1,263/mo
Today · 4.125%
HK$42,455
baseline
▲ 0.50% · 4.625%
HK$45,038
+HK$2,583/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,910/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,444
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,636
−HK$1,209/mo
Today · 4.125%
HK$46,845
baseline
▲ 0.50% · 4.625%
HK$49,314
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,690/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,364
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,962
−HK$1,623/mo
Today · 4.125%
HK$54,585
baseline
▲ 0.50% · 4.625%
HK$57,906
+HK$3,321/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,170/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,142
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,674
−HK$1,555/mo
Today · 4.125%
HK$60,229
baseline
▲ 0.50% · 4.625%
HK$63,404
+HK$3,175/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,458/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,282 · Scale 2, in force from 26 Feb 2026)