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$28,423
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,307
−HK$898/mo
Today · 4.125%
HK$30,205
baseline
▲ 0.50% · 4.625%
HK$32,043
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,410/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,620
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,468
−HK$861/mo
Today · 4.125%
HK$33,329
baseline
▲ 0.50% · 4.625%
HK$35,085
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,658/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,108
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,169
−HK$1,077/mo
Today · 4.125%
HK$36,246
baseline
▲ 0.50% · 4.625%
HK$38,452
+HK$2,206/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,492/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,944
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,962
−HK$1,032/mo
Today · 4.125%
HK$39,994
baseline
▲ 0.50% · 4.625%
HK$42,103
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$79,988/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,792
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,030
−HK$1,257/mo
Today · 4.125%
HK$42,287
baseline
▲ 0.50% · 4.625%
HK$44,861
+HK$2,574/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,574/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,268
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,456
−HK$1,204/mo
Today · 4.125%
HK$46,660
baseline
▲ 0.50% · 4.625%
HK$49,120
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,320/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,161
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,753
−HK$1,617/mo
Today · 4.125%
HK$54,370
baseline
▲ 0.50% · 4.625%
HK$57,678
+HK$3,308/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,740/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,917
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,443
−HK$1,549/mo
Today · 4.125%
HK$59,992
baseline
▲ 0.50% · 4.625%
HK$63,154
+HK$3,162/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$119,984/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,431 · Scale 2, in force from 26 Feb 2026)