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$28,467
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,353
−HK$899/mo
Today · 4.125%
HK$30,252
baseline
▲ 0.50% · 4.625%
HK$32,093
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,504/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,669
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,519
−HK$861/mo
Today · 4.125%
HK$33,380
baseline
▲ 0.50% · 4.625%
HK$35,140
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,760/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,161
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,223
−HK$1,080/mo
Today · 4.125%
HK$36,303
baseline
▲ 0.50% · 4.625%
HK$38,512
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,606/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,003
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,023
−HK$1,034/mo
Today · 4.125%
HK$40,057
baseline
▲ 0.50% · 4.625%
HK$42,168
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,114/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,854
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,094
−HK$1,259/mo
Today · 4.125%
HK$42,353
baseline
▲ 0.50% · 4.625%
HK$44,930
+HK$2,577/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,706/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,337
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,526
−HK$1,207/mo
Today · 4.125%
HK$46,733
baseline
▲ 0.50% · 4.625%
HK$49,196
+HK$2,463/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,466/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,241
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,835
−HK$1,619/mo
Today · 4.125%
HK$54,454
baseline
▲ 0.50% · 4.625%
HK$57,768
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,908/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,005
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,534
−HK$1,551/mo
Today · 4.125%
HK$60,085
baseline
▲ 0.50% · 4.625%
HK$63,252
+HK$3,167/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,170/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,158 · Scale 2, in force from 26 Feb 2026)