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$28,557
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,446
−HK$902/mo
Today · 4.125%
HK$30,348
baseline
▲ 0.50% · 4.625%
HK$32,195
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,696/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,770
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,622
−HK$864/mo
Today · 4.125%
HK$33,486
baseline
▲ 0.50% · 4.625%
HK$35,251
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,972/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,269
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,335
−HK$1,083/mo
Today · 4.125%
HK$36,418
baseline
▲ 0.50% · 4.625%
HK$38,634
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,836/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,124
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,146
−HK$1,038/mo
Today · 4.125%
HK$40,184
baseline
▲ 0.50% · 4.625%
HK$42,302
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,368/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,980
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,224
−HK$1,264/mo
Today · 4.125%
HK$42,488
baseline
▲ 0.50% · 4.625%
HK$45,073
+HK$2,585/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,976/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,478
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,671
−HK$1,210/mo
Today · 4.125%
HK$46,881
baseline
▲ 0.50% · 4.625%
HK$49,352
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,762/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,403
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,002
−HK$1,625/mo
Today · 4.125%
HK$54,627
baseline
▲ 0.50% · 4.625%
HK$57,951
+HK$3,324/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,254/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,186
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,720
−HK$1,555/mo
Today · 4.125%
HK$60,275
baseline
▲ 0.50% · 4.625%
HK$63,453
+HK$3,178/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,550/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,643 · Scale 2, in force from 26 Feb 2026)