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$28,533
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,420
−HK$902/mo
Today · 4.125%
HK$30,322
baseline
▲ 0.50% · 4.625%
HK$32,167
+HK$1,845/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,644/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,742
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,594
−HK$863/mo
Today · 4.125%
HK$33,457
baseline
▲ 0.50% · 4.625%
HK$35,221
+HK$1,764/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,914/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,239
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,304
−HK$1,082/mo
Today · 4.125%
HK$36,386
baseline
▲ 0.50% · 4.625%
HK$38,600
+HK$2,214/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,772/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,091
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,112
−HK$1,037/mo
Today · 4.125%
HK$40,149
baseline
▲ 0.50% · 4.625%
HK$42,265
+HK$2,116/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,298/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,946
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,188
−HK$1,263/mo
Today · 4.125%
HK$42,451
baseline
▲ 0.50% · 4.625%
HK$45,034
+HK$2,583/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,902/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,439
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,631
−HK$1,209/mo
Today · 4.125%
HK$46,840
baseline
▲ 0.50% · 4.625%
HK$49,309
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,680/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,359
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,956
−HK$1,624/mo
Today · 4.125%
HK$54,580
baseline
▲ 0.50% · 4.625%
HK$57,901
+HK$3,321/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,160/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,136
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,669
−HK$1,554/mo
Today · 4.125%
HK$60,223
baseline
▲ 0.50% · 4.625%
HK$63,398
+HK$3,175/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,446/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,236 · Scale 2, in force from 26 Feb 2026)