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$28,461
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,347
−HK$899/mo
Today · 4.125%
HK$30,246
baseline
▲ 0.50% · 4.625%
HK$32,087
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,492/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,663
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,512
−HK$862/mo
Today · 4.125%
HK$33,374
baseline
▲ 0.50% · 4.625%
HK$35,133
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,748/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,154
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,216
−HK$1,079/mo
Today · 4.125%
HK$36,295
baseline
▲ 0.50% · 4.625%
HK$38,504
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,590/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,996
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,015
−HK$1,033/mo
Today · 4.125%
HK$40,048
baseline
▲ 0.50% · 4.625%
HK$42,159
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,096/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,846
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,085
−HK$1,260/mo
Today · 4.125%
HK$42,345
baseline
▲ 0.50% · 4.625%
HK$44,921
+HK$2,576/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$84,690/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,328
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,517
−HK$1,206/mo
Today · 4.125%
HK$46,723
baseline
▲ 0.50% · 4.625%
HK$49,186
+HK$2,463/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$93,446/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,230
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,824
−HK$1,619/mo
Today · 4.125%
HK$54,443
baseline
▲ 0.50% · 4.625%
HK$57,756
+HK$3,313/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,886/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,993
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,522
−HK$1,550/mo
Today · 4.125%
HK$60,072
baseline
▲ 0.50% · 4.625%
HK$63,239
+HK$3,167/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,144/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,062 · Scale 2, in force from 26 Feb 2026)