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$28,556
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,444
−HK$902/mo
Today · 4.125%
HK$30,346
baseline
▲ 0.50% · 4.625%
HK$32,193
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,692/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,768
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,620
−HK$864/mo
Today · 4.125%
HK$33,484
baseline
▲ 0.50% · 4.625%
HK$35,249
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,968/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,267
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,333
−HK$1,083/mo
Today · 4.125%
HK$36,416
baseline
▲ 0.50% · 4.625%
HK$38,631
+HK$2,215/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,832/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,121
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,144
−HK$1,037/mo
Today · 4.125%
HK$40,181
baseline
▲ 0.50% · 4.625%
HK$42,299
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,362/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,978
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,221
−HK$1,264/mo
Today · 4.125%
HK$42,485
baseline
▲ 0.50% · 4.625%
HK$45,070
+HK$2,585/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,970/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,475
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,668
−HK$1,210/mo
Today · 4.125%
HK$46,878
baseline
▲ 0.50% · 4.625%
HK$49,349
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,756/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,400
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,999
−HK$1,624/mo
Today · 4.125%
HK$54,623
baseline
▲ 0.50% · 4.625%
HK$57,947
+HK$3,324/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,246/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,182
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,716
−HK$1,556/mo
Today · 4.125%
HK$60,272
baseline
▲ 0.50% · 4.625%
HK$63,449
+HK$3,177/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,544/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,613 · Scale 2, in force from 26 Feb 2026)