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$28,469
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,354
−HK$900/mo
Today · 4.125%
HK$30,254
baseline
▲ 0.50% · 4.625%
HK$32,095
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,508/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,671
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,521
−HK$861/mo
Today · 4.125%
HK$33,382
baseline
▲ 0.50% · 4.625%
HK$35,142
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,764/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,162
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,225
−HK$1,080/mo
Today · 4.125%
HK$36,305
baseline
▲ 0.50% · 4.625%
HK$38,514
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,610/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,005
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,025
−HK$1,034/mo
Today · 4.125%
HK$40,059
baseline
▲ 0.50% · 4.625%
HK$42,170
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,118/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,856
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,096
−HK$1,259/mo
Today · 4.125%
HK$42,355
baseline
▲ 0.50% · 4.625%
HK$44,933
+HK$2,578/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,710/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,340
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,529
−HK$1,206/mo
Today · 4.125%
HK$46,735
baseline
▲ 0.50% · 4.625%
HK$49,199
+HK$2,464/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,470/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,244
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,838
−HK$1,619/mo
Today · 4.125%
HK$54,457
baseline
▲ 0.50% · 4.625%
HK$57,771
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,914/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,008
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,537
−HK$1,551/mo
Today · 4.125%
HK$60,088
baseline
▲ 0.50% · 4.625%
HK$63,255
+HK$3,167/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,176/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,183 · Scale 2, in force from 26 Feb 2026)