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$28,429
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,314
−HK$898/mo
Today · 4.125%
HK$30,212
baseline
▲ 0.50% · 4.625%
HK$32,050
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,424/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,627
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,475
−HK$861/mo
Today · 4.125%
HK$33,336
baseline
▲ 0.50% · 4.625%
HK$35,093
+HK$1,757/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,672/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,115
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,176
−HK$1,078/mo
Today · 4.125%
HK$36,254
baseline
▲ 0.50% · 4.625%
HK$38,460
+HK$2,206/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,508/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,953
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,971
−HK$1,032/mo
Today · 4.125%
HK$40,003
baseline
▲ 0.50% · 4.625%
HK$42,112
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,006/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,801
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,039
−HK$1,258/mo
Today · 4.125%
HK$42,297
baseline
▲ 0.50% · 4.625%
HK$44,870
+HK$2,573/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,594/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,278
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,466
−HK$1,204/mo
Today · 4.125%
HK$46,670
baseline
▲ 0.50% · 4.625%
HK$49,130
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,340/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,173
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,764
−HK$1,618/mo
Today · 4.125%
HK$54,382
baseline
▲ 0.50% · 4.625%
HK$57,691
+HK$3,309/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,764/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,929
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,456
−HK$1,549/mo
Today · 4.125%
HK$60,005
baseline
▲ 0.50% · 4.625%
HK$63,168
+HK$3,163/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$120,010/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,533 · Scale 2, in force from 26 Feb 2026)