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$28,559
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,447
−HK$903/mo
Today · 4.125%
HK$30,350
baseline
▲ 0.50% · 4.625%
HK$32,197
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,700/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,772
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,624
−HK$864/mo
Today · 4.125%
HK$33,488
baseline
▲ 0.50% · 4.625%
HK$35,253
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,976/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,271
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,337
−HK$1,083/mo
Today · 4.125%
HK$36,420
baseline
▲ 0.50% · 4.625%
HK$38,636
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,840/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,126
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,148
−HK$1,038/mo
Today · 4.125%
HK$40,186
baseline
▲ 0.50% · 4.625%
HK$42,304
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,372/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,983
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,226
−HK$1,264/mo
Today · 4.125%
HK$42,490
baseline
▲ 0.50% · 4.625%
HK$45,075
+HK$2,585/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,980/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,480
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,673
−HK$1,210/mo
Today · 4.125%
HK$46,883
baseline
▲ 0.50% · 4.625%
HK$49,355
+HK$2,472/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,766/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,406
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,005
−HK$1,625/mo
Today · 4.125%
HK$54,630
baseline
▲ 0.50% · 4.625%
HK$57,954
+HK$3,324/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,260/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,189
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,723
−HK$1,556/mo
Today · 4.125%
HK$60,279
baseline
▲ 0.50% · 4.625%
HK$63,456
+HK$3,177/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,558/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,668 · Scale 2, in force from 26 Feb 2026)