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$28,570
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,459
−HK$903/mo
Today · 4.125%
HK$30,362
baseline
▲ 0.50% · 4.625%
HK$32,209
+HK$1,847/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,724/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,784
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,637
−HK$864/mo
Today · 4.125%
HK$33,501
baseline
▲ 0.50% · 4.625%
HK$35,267
+HK$1,766/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$67,002/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$469,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,284
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,351
−HK$1,083/mo
Today · 4.125%
HK$36,434
baseline
▲ 0.50% · 4.625%
HK$38,651
+HK$2,217/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$72,868/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,141
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,164
−HK$1,038/mo
Today · 4.125%
HK$40,202
baseline
▲ 0.50% · 4.625%
HK$42,321
+HK$2,119/mo
Deposit HK$5.01M · loan HK$7.52M · min. income ≈ HK$80,404/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$469,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,998
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,243
−HK$1,264/mo
Today · 4.125%
HK$42,507
baseline
▲ 0.50% · 4.625%
HK$45,093
+HK$2,586/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,014/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,498
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,691
−HK$1,211/mo
Today · 4.125%
HK$46,902
baseline
▲ 0.50% · 4.625%
HK$49,374
+HK$2,472/mo
Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$93,804/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$469,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,427
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,026
−HK$1,625/mo
Today · 4.125%
HK$54,651
baseline
▲ 0.50% · 4.625%
HK$57,977
+HK$3,326/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$109,302/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,212
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,746
−HK$1,557/mo
Today · 4.125%
HK$60,303
baseline
▲ 0.50% · 4.625%
HK$63,481
+HK$3,178/mo
Deposit HK$1.25M · loan HK$11.28M · min. income ≈ HK$120,606/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,854 · Scale 2, in force from 26 Feb 2026)