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$28,552
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,440
−HK$902/mo
Today · 4.125%
HK$30,342
baseline
▲ 0.50% · 4.625%
HK$32,188
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,684/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,763
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,615
−HK$864/mo
Today · 4.125%
HK$33,479
baseline
▲ 0.50% · 4.625%
HK$35,244
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,958/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,262
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,328
−HK$1,082/mo
Today · 4.125%
HK$36,410
baseline
▲ 0.50% · 4.625%
HK$38,626
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,820/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,116
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,138
−HK$1,037/mo
Today · 4.125%
HK$40,175
baseline
▲ 0.50% · 4.625%
HK$42,293
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,350/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,972
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,216
−HK$1,263/mo
Today · 4.125%
HK$42,479
baseline
▲ 0.50% · 4.625%
HK$45,064
+HK$2,585/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$84,958/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,469
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,661
−HK$1,210/mo
Today · 4.125%
HK$46,871
baseline
▲ 0.50% · 4.625%
HK$49,342
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$93,742/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,393
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,992
−HK$1,624/mo
Today · 4.125%
HK$54,616
baseline
▲ 0.50% · 4.625%
HK$57,939
+HK$3,323/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,232/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,174
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,707
−HK$1,556/mo
Today · 4.125%
HK$60,263
baseline
▲ 0.50% · 4.625%
HK$63,440
+HK$3,177/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,526/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,547 · Scale 2, in force from 26 Feb 2026)