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$28,474
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,360
−HK$900/mo
Today · 4.125%
HK$30,260
baseline
▲ 0.50% · 4.625%
HK$32,101
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,520/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,677
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,527
−HK$861/mo
Today · 4.125%
HK$33,388
baseline
▲ 0.50% · 4.625%
HK$35,148
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,776/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,169
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,232
−HK$1,080/mo
Today · 4.125%
HK$36,312
baseline
▲ 0.50% · 4.625%
HK$38,521
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,624/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,012
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,032
−HK$1,034/mo
Today · 4.125%
HK$40,066
baseline
▲ 0.50% · 4.625%
HK$42,178
+HK$2,112/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,132/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,864
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,104
−HK$1,259/mo
Today · 4.125%
HK$42,363
baseline
▲ 0.50% · 4.625%
HK$44,941
+HK$2,578/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,726/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,348
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,537
−HK$1,207/mo
Today · 4.125%
HK$46,744
baseline
▲ 0.50% · 4.625%
HK$49,208
+HK$2,464/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,488/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,253
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,848
−HK$1,619/mo
Today · 4.125%
HK$54,467
baseline
▲ 0.50% · 4.625%
HK$57,781
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,934/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,019
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,548
−HK$1,551/mo
Today · 4.125%
HK$60,099
baseline
▲ 0.50% · 4.625%
HK$63,267
+HK$3,168/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,198/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,271 · Scale 2, in force from 26 Feb 2026)