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$28,407
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,291
−HK$898/mo
Today · 4.125%
HK$30,189
baseline
▲ 0.50% · 4.625%
HK$32,025
+HK$1,836/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,378/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,603
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,450
−HK$860/mo
Today · 4.125%
HK$33,310
baseline
▲ 0.50% · 4.625%
HK$35,066
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,620/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,089
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,149
−HK$1,077/mo
Today · 4.125%
HK$36,226
baseline
▲ 0.50% · 4.625%
HK$38,431
+HK$2,205/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,452/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,923
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,940
−HK$1,032/mo
Today · 4.125%
HK$39,972
baseline
▲ 0.50% · 4.625%
HK$42,079
+HK$2,107/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,944/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,770
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,007
−HK$1,257/mo
Today · 4.125%
HK$42,264
baseline
▲ 0.50% · 4.625%
HK$44,836
+HK$2,572/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,528/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,244
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,430
−HK$1,204/mo
Today · 4.125%
HK$46,634
baseline
▲ 0.50% · 4.625%
HK$49,092
+HK$2,458/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,268/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,133
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,723
−HK$1,616/mo
Today · 4.125%
HK$54,339
baseline
▲ 0.50% · 4.625%
HK$57,646
+HK$3,307/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,678/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,885
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,411
−HK$1,547/mo
Today · 4.125%
HK$59,958
baseline
▲ 0.50% · 4.625%
HK$63,119
+HK$3,161/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,916/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,172 · Scale 2, in force from 26 Feb 2026)