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$28,564
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,453
−HK$902/mo
Today · 4.125%
HK$30,355
baseline
▲ 0.50% · 4.625%
HK$32,202
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,710/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,777
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,629
−HK$865/mo
Today · 4.125%
HK$33,494
baseline
▲ 0.50% · 4.625%
HK$35,260
+HK$1,766/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,988/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,277
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,343
−HK$1,083/mo
Today · 4.125%
HK$36,426
baseline
▲ 0.50% · 4.625%
HK$38,643
+HK$2,217/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,852/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,133
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,155
−HK$1,038/mo
Today · 4.125%
HK$40,193
baseline
▲ 0.50% · 4.625%
HK$42,311
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,386/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,990
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,234
−HK$1,263/mo
Today · 4.125%
HK$42,497
baseline
▲ 0.50% · 4.625%
HK$45,083
+HK$2,586/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,994/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,488
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,681
−HK$1,211/mo
Today · 4.125%
HK$46,892
baseline
▲ 0.50% · 4.625%
HK$49,363
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,784/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,415
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,015
−HK$1,624/mo
Today · 4.125%
HK$54,639
baseline
▲ 0.50% · 4.625%
HK$57,964
+HK$3,325/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,278/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,199
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,733
−HK$1,556/mo
Today · 4.125%
HK$60,289
baseline
▲ 0.50% · 4.625%
HK$63,467
+HK$3,178/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,578/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,751 · Scale 2, in force from 26 Feb 2026)