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$28,454
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,339
−HK$900/mo
Today · 4.125%
HK$30,239
baseline
▲ 0.50% · 4.625%
HK$32,079
+HK$1,840/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,478/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,655
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,504
−HK$861/mo
Today · 4.125%
HK$33,365
baseline
▲ 0.50% · 4.625%
HK$35,124
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,730/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,145
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,207
−HK$1,079/mo
Today · 4.125%
HK$36,286
baseline
▲ 0.50% · 4.625%
HK$38,494
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,572/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,986
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,005
−HK$1,033/mo
Today · 4.125%
HK$40,038
baseline
▲ 0.50% · 4.625%
HK$42,149
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,076/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,836
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,075
−HK$1,259/mo
Today · 4.125%
HK$42,334
baseline
▲ 0.50% · 4.625%
HK$44,910
+HK$2,576/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,668/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,317
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,506
−HK$1,206/mo
Today · 4.125%
HK$46,712
baseline
▲ 0.50% · 4.625%
HK$49,174
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,424/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,218
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,811
−HK$1,619/mo
Today · 4.125%
HK$54,430
baseline
▲ 0.50% · 4.625%
HK$57,742
+HK$3,312/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,860/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,979
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,507
−HK$1,551/mo
Today · 4.125%
HK$60,058
baseline
▲ 0.50% · 4.625%
HK$63,223
+HK$3,165/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,116/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,947 · Scale 2, in force from 26 Feb 2026)