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$29,416
−HK$902/mo
Today · 4.125%
HK$30,318
baseline
▲ 0.50% · 4.625%
HK$32,162
+HK$1,844/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$469,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,738
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,589
−HK$864/mo
Today · 4.125%
HK$33,453
baseline
▲ 0.50% · 4.625%
HK$35,216
+HK$1,763/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$469,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,234
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,299
−HK$1,082/mo
Today · 4.125%
HK$36,381
baseline
▲ 0.50% · 4.625%
HK$38,595
+HK$2,214/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$72,762/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,085
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,107
−HK$1,036/mo
Today · 4.125%
HK$40,143
baseline
▲ 0.50% · 4.625%
HK$42,259
+HK$2,116/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$80,286/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,940
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,182
−HK$1,263/mo
Today · 4.125%
HK$42,445
baseline
▲ 0.50% · 4.625%
HK$45,027
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,890/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,433
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,625
−HK$1,209/mo
Today · 4.125%
HK$46,834
baseline
▲ 0.50% · 4.625%
HK$49,302
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,668/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,352
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,949
−HK$1,623/mo
Today · 4.125%
HK$54,572
baseline
▲ 0.50% · 4.625%
HK$57,892
+HK$3,320/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,144/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,128
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,660
−HK$1,555/mo
Today · 4.125%
HK$60,215
baseline
▲ 0.50% · 4.625%
HK$63,389
+HK$3,174/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,430/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,169 · Scale 2, in force from 26 Feb 2026)