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$28,555
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,443
−HK$903/mo
Today · 4.125%
HK$30,346
baseline
▲ 0.50% · 4.625%
HK$32,192
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,692/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,767
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,619
−HK$865/mo
Today · 4.125%
HK$33,484
baseline
▲ 0.50% · 4.625%
HK$35,249
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,968/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,266
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,332
−HK$1,083/mo
Today · 4.125%
HK$36,415
baseline
▲ 0.50% · 4.625%
HK$38,631
+HK$2,216/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,830/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,121
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,143
−HK$1,037/mo
Today · 4.125%
HK$40,180
baseline
▲ 0.50% · 4.625%
HK$42,298
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,360/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,977
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,221
−HK$1,263/mo
Today · 4.125%
HK$42,484
baseline
▲ 0.50% · 4.625%
HK$45,069
+HK$2,585/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$84,968/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,474
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,667
−HK$1,210/mo
Today · 4.125%
HK$46,877
baseline
▲ 0.50% · 4.625%
HK$49,348
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,754/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,399
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$52,998
−HK$1,625/mo
Today · 4.125%
HK$54,623
baseline
▲ 0.50% · 4.625%
HK$57,946
+HK$3,323/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,246/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,181
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,715
−HK$1,556/mo
Today · 4.125%
HK$60,271
baseline
▲ 0.50% · 4.625%
HK$63,448
+HK$3,177/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,542/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,607 · Scale 2, in force from 26 Feb 2026)