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$28,540
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,428
−HK$902/mo
Today · 4.125%
HK$30,330
baseline
▲ 0.50% · 4.625%
HK$32,175
+HK$1,845/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,660/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,750
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,602
−HK$864/mo
Today · 4.125%
HK$33,466
baseline
▲ 0.50% · 4.625%
HK$35,230
+HK$1,764/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,932/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,248
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,313
−HK$1,083/mo
Today · 4.125%
HK$36,396
baseline
▲ 0.50% · 4.625%
HK$38,610
+HK$2,214/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,792/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,101
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,122
−HK$1,037/mo
Today · 4.125%
HK$40,159
baseline
▲ 0.50% · 4.625%
HK$42,276
+HK$2,117/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,318/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,956
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,199
−HK$1,263/mo
Today · 4.125%
HK$42,462
baseline
▲ 0.50% · 4.625%
HK$45,045
+HK$2,583/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,924/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,451
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,643
−HK$1,209/mo
Today · 4.125%
HK$46,852
baseline
▲ 0.50% · 4.625%
HK$49,322
+HK$2,470/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,704/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,372
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,970
−HK$1,623/mo
Today · 4.125%
HK$54,593
baseline
▲ 0.50% · 4.625%
HK$57,915
+HK$3,322/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,186/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,151
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,684
−HK$1,554/mo
Today · 4.125%
HK$60,238
baseline
▲ 0.50% · 4.625%
HK$63,414
+HK$3,176/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,476/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,355 · Scale 2, in force from 26 Feb 2026)