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$28,529
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,417
−HK$901/mo
Today · 4.125%
HK$30,318
baseline
▲ 0.50% · 4.625%
HK$32,163
+HK$1,845/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,636/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,739
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,590
−HK$863/mo
Today · 4.125%
HK$33,453
baseline
▲ 0.50% · 4.625%
HK$35,217
+HK$1,764/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,906/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,235
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,300
−HK$1,082/mo
Today · 4.125%
HK$36,382
baseline
▲ 0.50% · 4.625%
HK$38,596
+HK$2,214/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$72,764/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,086
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,108
−HK$1,036/mo
Today · 4.125%
HK$40,144
baseline
▲ 0.50% · 4.625%
HK$42,260
+HK$2,116/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$80,288/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,941
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,184
−HK$1,262/mo
Today · 4.125%
HK$42,446
baseline
▲ 0.50% · 4.625%
HK$45,029
+HK$2,583/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,892/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,434
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,626
−HK$1,209/mo
Today · 4.125%
HK$46,835
baseline
▲ 0.50% · 4.625%
HK$49,304
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,670/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,353
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,950
−HK$1,623/mo
Today · 4.125%
HK$54,573
baseline
▲ 0.50% · 4.625%
HK$57,894
+HK$3,321/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,146/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,130
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,662
−HK$1,554/mo
Today · 4.125%
HK$60,216
baseline
▲ 0.50% · 4.625%
HK$63,390
+HK$3,174/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,432/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,181 · Scale 2, in force from 26 Feb 2026)