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$28,550
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,438
−HK$902/mo
Today · 4.125%
HK$30,340
baseline
▲ 0.50% · 4.625%
HK$32,186
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,680/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,761
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,613
−HK$864/mo
Today · 4.125%
HK$33,477
baseline
▲ 0.50% · 4.625%
HK$35,242
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,954/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,260
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,326
−HK$1,082/mo
Today · 4.125%
HK$36,408
baseline
▲ 0.50% · 4.625%
HK$38,624
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,816/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,114
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,136
−HK$1,037/mo
Today · 4.125%
HK$40,173
baseline
▲ 0.50% · 4.625%
HK$42,291
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,346/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,970
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,213
−HK$1,263/mo
Today · 4.125%
HK$42,476
baseline
▲ 0.50% · 4.625%
HK$45,061
+HK$2,585/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$84,952/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,466
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,659
−HK$1,209/mo
Today · 4.125%
HK$46,868
baseline
▲ 0.50% · 4.625%
HK$49,339
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$93,736/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,390
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,988
−HK$1,624/mo
Today · 4.125%
HK$54,612
baseline
▲ 0.50% · 4.625%
HK$57,935
+HK$3,323/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,224/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,171
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,704
−HK$1,555/mo
Today · 4.125%
HK$60,259
baseline
▲ 0.50% · 4.625%
HK$63,436
+HK$3,177/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,518/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,519 · Scale 2, in force from 26 Feb 2026)