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$28,417
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,301
−HK$898/mo
Today · 4.125%
HK$30,199
baseline
▲ 0.50% · 4.625%
HK$32,037
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,398/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,614
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,462
−HK$860/mo
Today · 4.125%
HK$33,322
baseline
▲ 0.50% · 4.625%
HK$35,078
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,644/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,101
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,162
−HK$1,077/mo
Today · 4.125%
HK$36,239
baseline
▲ 0.50% · 4.625%
HK$38,444
+HK$2,205/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$72,478/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,937
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,954
−HK$1,032/mo
Today · 4.125%
HK$39,986
baseline
▲ 0.50% · 4.625%
HK$42,094
+HK$2,108/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$79,972/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,784
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,022
−HK$1,257/mo
Today · 4.125%
HK$42,279
baseline
▲ 0.50% · 4.625%
HK$44,852
+HK$2,573/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,558/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,260
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,447
−HK$1,204/mo
Today · 4.125%
HK$46,651
baseline
▲ 0.50% · 4.625%
HK$49,110
+HK$2,459/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,302/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,151
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,742
−HK$1,617/mo
Today · 4.125%
HK$54,359
baseline
▲ 0.50% · 4.625%
HK$57,666
+HK$3,307/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,718/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,905
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,431
−HK$1,549/mo
Today · 4.125%
HK$59,980
baseline
▲ 0.50% · 4.625%
HK$63,141
+HK$3,161/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$119,960/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,338 · Scale 2, in force from 26 Feb 2026)