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$29,300
−HK$899/mo
Today · 4.125%
HK$30,199
baseline
▲ 0.50% · 4.625%
HK$32,036
+HK$1,837/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$467,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,613
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,461
−HK$860/mo
Today · 4.125%
HK$33,321
baseline
▲ 0.50% · 4.625%
HK$35,078
+HK$1,757/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,642/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,100
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,161
−HK$1,077/mo
Today · 4.125%
HK$36,238
baseline
▲ 0.50% · 4.625%
HK$38,443
+HK$2,205/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$72,476/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,936
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,953
−HK$1,032/mo
Today · 4.125%
HK$39,985
baseline
▲ 0.50% · 4.625%
HK$42,093
+HK$2,108/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$79,970/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,783
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,021
−HK$1,257/mo
Today · 4.125%
HK$42,278
baseline
▲ 0.50% · 4.625%
HK$44,850
+HK$2,572/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,556/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,258
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,445
−HK$1,205/mo
Today · 4.125%
HK$46,650
baseline
▲ 0.50% · 4.625%
HK$49,109
+HK$2,459/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,300/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,150
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,741
−HK$1,616/mo
Today · 4.125%
HK$54,357
baseline
▲ 0.50% · 4.625%
HK$57,665
+HK$3,308/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,714/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,904
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,430
−HK$1,548/mo
Today · 4.125%
HK$59,978
baseline
▲ 0.50% · 4.625%
HK$63,140
+HK$3,162/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$119,956/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,326 · Scale 2, in force from 26 Feb 2026)