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$28,569
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,457
−HK$903/mo
Today · 4.125%
HK$30,360
baseline
▲ 0.50% · 4.625%
HK$32,208
+HK$1,848/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,720/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,782
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,635
−HK$865/mo
Today · 4.125%
HK$33,500
baseline
▲ 0.50% · 4.625%
HK$35,265
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$67,000/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,283
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,349
−HK$1,083/mo
Today · 4.125%
HK$36,432
baseline
▲ 0.50% · 4.625%
HK$38,649
+HK$2,217/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,864/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,139
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,162
−HK$1,038/mo
Today · 4.125%
HK$40,200
baseline
▲ 0.50% · 4.625%
HK$42,318
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,400/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,996
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,240
−HK$1,264/mo
Today · 4.125%
HK$42,504
baseline
▲ 0.50% · 4.625%
HK$45,091
+HK$2,587/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,008/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,495
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,689
−HK$1,210/mo
Today · 4.125%
HK$46,899
baseline
▲ 0.50% · 4.625%
HK$49,372
+HK$2,473/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,798/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,424
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,023
−HK$1,626/mo
Today · 4.125%
HK$54,649
baseline
▲ 0.50% · 4.625%
HK$57,974
+HK$3,325/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,298/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,208
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,743
−HK$1,556/mo
Today · 4.125%
HK$60,299
baseline
▲ 0.50% · 4.625%
HK$63,478
+HK$3,179/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,598/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,829 · Scale 2, in force from 26 Feb 2026)