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$28,561
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,450
−HK$902/mo
Today · 4.125%
HK$30,352
baseline
▲ 0.50% · 4.625%
HK$32,199
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,704/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,774
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,626
−HK$865/mo
Today · 4.125%
HK$33,491
baseline
▲ 0.50% · 4.625%
HK$35,256
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,982/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,273
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,339
−HK$1,084/mo
Today · 4.125%
HK$36,423
baseline
▲ 0.50% · 4.625%
HK$38,639
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,846/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,129
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,151
−HK$1,038/mo
Today · 4.125%
HK$40,189
baseline
▲ 0.50% · 4.625%
HK$42,307
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,378/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,986
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,229
−HK$1,264/mo
Today · 4.125%
HK$42,493
baseline
▲ 0.50% · 4.625%
HK$45,079
+HK$2,586/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,986/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,484
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,677
−HK$1,210/mo
Today · 4.125%
HK$46,887
baseline
▲ 0.50% · 4.625%
HK$49,358
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,774/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,410
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,009
−HK$1,625/mo
Today · 4.125%
HK$54,634
baseline
▲ 0.50% · 4.625%
HK$57,958
+HK$3,324/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,268/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,193
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,727
−HK$1,556/mo
Today · 4.125%
HK$60,283
baseline
▲ 0.50% · 4.625%
HK$63,461
+HK$3,178/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,566/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,702 · Scale 2, in force from 26 Feb 2026)