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$1,790/mo
▼ 0.25% · 3.875%
HK$29,424
−HK$902/mo
Today · 4.125%
HK$30,326
baseline
▲ 0.50% · 4.625%
HK$32,171
+HK$1,845/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,652/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,746
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,598
−HK$863/mo
Today · 4.125%
HK$33,461
baseline
▲ 0.50% · 4.625%
HK$35,225
+HK$1,764/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$469,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,243
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,309
−HK$1,082/mo
Today · 4.125%
HK$36,391
baseline
▲ 0.50% · 4.625%
HK$38,605
+HK$2,214/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,782/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,095
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,117
−HK$1,037/mo
Today · 4.125%
HK$40,154
baseline
▲ 0.50% · 4.625%
HK$42,270
+HK$2,116/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,308/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,951
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,193
−HK$1,263/mo
Today · 4.125%
HK$42,456
baseline
▲ 0.50% · 4.625%
HK$45,039
+HK$2,583/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,912/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,445
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,637
−HK$1,209/mo
Today · 4.125%
HK$46,846
baseline
▲ 0.50% · 4.625%
HK$49,315
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,692/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,365
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,963
−HK$1,623/mo
Today · 4.125%
HK$54,586
baseline
▲ 0.50% · 4.625%
HK$57,907
+HK$3,321/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,172/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,143
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,676
−HK$1,554/mo
Today · 4.125%
HK$60,230
baseline
▲ 0.50% · 4.625%
HK$63,405
+HK$3,175/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,460/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,292 · Scale 2, in force from 26 Feb 2026)