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$28,543
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,431
−HK$902/mo
Today · 4.125%
HK$30,333
baseline
▲ 0.50% · 4.625%
HK$32,179
+HK$1,846/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,666/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,754
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,606
−HK$864/mo
Today · 4.125%
HK$33,470
baseline
▲ 0.50% · 4.625%
HK$35,234
+HK$1,764/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,940/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,252
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,318
−HK$1,082/mo
Today · 4.125%
HK$36,400
baseline
▲ 0.50% · 4.625%
HK$38,615
+HK$2,215/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$72,800/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,105
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,127
−HK$1,037/mo
Today · 4.125%
HK$40,164
baseline
▲ 0.50% · 4.625%
HK$42,281
+HK$2,117/mo
Deposit HK$5.01M · loan HK$7.51M · min. income ≈ HK$80,328/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,961
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,204
−HK$1,263/mo
Today · 4.125%
HK$42,467
baseline
▲ 0.50% · 4.625%
HK$45,051
+HK$2,584/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$84,934/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,456
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,648
−HK$1,210/mo
Today · 4.125%
HK$46,858
baseline
▲ 0.50% · 4.625%
HK$49,328
+HK$2,470/mo
Deposit HK$3.76M · loan HK$8.76M · min. income ≈ HK$93,716/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,378
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,976
−HK$1,624/mo
Today · 4.125%
HK$54,600
baseline
▲ 0.50% · 4.625%
HK$57,922
+HK$3,322/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$109,200/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,158
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,691
−HK$1,555/mo
Today · 4.125%
HK$60,246
baseline
▲ 0.50% · 4.625%
HK$63,421
+HK$3,175/mo
Deposit HK$1.25M · loan HK$11.27M · min. income ≈ HK$120,492/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,411 · Scale 2, in force from 26 Feb 2026)