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$28,550
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,438
−HK$903/mo
Today · 4.125%
HK$30,341
baseline
▲ 0.50% · 4.625%
HK$32,187
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,682/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,762
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,614
−HK$864/mo
Today · 4.125%
HK$33,478
baseline
▲ 0.50% · 4.625%
HK$35,243
+HK$1,765/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,956/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,260
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,326
−HK$1,083/mo
Today · 4.125%
HK$36,409
baseline
▲ 0.50% · 4.625%
HK$38,624
+HK$2,215/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,818/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,114
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,136
−HK$1,037/mo
Today · 4.125%
HK$40,173
baseline
▲ 0.50% · 4.625%
HK$42,291
+HK$2,118/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,346/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,970
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,214
−HK$1,263/mo
Today · 4.125%
HK$42,477
baseline
▲ 0.50% · 4.625%
HK$45,061
+HK$2,584/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$84,954/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,467
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,659
−HK$1,210/mo
Today · 4.125%
HK$46,869
baseline
▲ 0.50% · 4.625%
HK$49,340
+HK$2,471/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$93,738/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,390
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,989
−HK$1,624/mo
Today · 4.125%
HK$54,613
baseline
▲ 0.50% · 4.625%
HK$57,936
+HK$3,323/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,226/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,171
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,705
−HK$1,555/mo
Today · 4.125%
HK$60,260
baseline
▲ 0.50% · 4.625%
HK$63,437
+HK$3,177/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,520/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,524 · Scale 2, in force from 26 Feb 2026)