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$28,537
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,425
−HK$902/mo
Today · 4.125%
HK$30,327
baseline
▲ 0.50% · 4.625%
HK$32,172
+HK$1,845/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,654/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,747
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,599
−HK$864/mo
Today · 4.125%
HK$33,463
baseline
▲ 0.50% · 4.625%
HK$35,226
+HK$1,763/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,926/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,245
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,310
−HK$1,082/mo
Today · 4.125%
HK$36,392
baseline
▲ 0.50% · 4.625%
HK$38,606
+HK$2,214/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,784/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,097
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,119
−HK$1,036/mo
Today · 4.125%
HK$40,155
baseline
▲ 0.50% · 4.625%
HK$42,272
+HK$2,117/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,310/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,952
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,195
−HK$1,262/mo
Today · 4.125%
HK$42,457
baseline
▲ 0.50% · 4.625%
HK$45,041
+HK$2,584/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,914/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,446
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,638
−HK$1,210/mo
Today · 4.125%
HK$46,848
baseline
▲ 0.50% · 4.625%
HK$49,317
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,696/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,367
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,965
−HK$1,623/mo
Today · 4.125%
HK$54,588
baseline
▲ 0.50% · 4.625%
HK$57,910
+HK$3,322/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,176/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,145
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,678
−HK$1,555/mo
Today · 4.125%
HK$60,233
baseline
▲ 0.50% · 4.625%
HK$63,407
+HK$3,174/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,466/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,309 · Scale 2, in force from 26 Feb 2026)