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$28,442
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,327
−HK$899/mo
Today · 4.125%
HK$30,226
baseline
▲ 0.50% · 4.625%
HK$32,065
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,452/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,642
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,491
−HK$860/mo
Today · 4.125%
HK$33,351
baseline
▲ 0.50% · 4.625%
HK$35,109
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,702/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,131
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,193
−HK$1,078/mo
Today · 4.125%
HK$36,271
baseline
▲ 0.50% · 4.625%
HK$38,478
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,542/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,970
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,989
−HK$1,033/mo
Today · 4.125%
HK$40,022
baseline
▲ 0.50% · 4.625%
HK$42,131
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,044/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,819
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,058
−HK$1,258/mo
Today · 4.125%
HK$42,316
baseline
▲ 0.50% · 4.625%
HK$44,891
+HK$2,575/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,632/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,299
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,487
−HK$1,205/mo
Today · 4.125%
HK$46,692
baseline
▲ 0.50% · 4.625%
HK$49,153
+HK$2,461/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,384/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,196
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,789
−HK$1,618/mo
Today · 4.125%
HK$54,407
baseline
▲ 0.50% · 4.625%
HK$57,717
+HK$3,310/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,814/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,955
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,483
−HK$1,550/mo
Today · 4.125%
HK$60,033
baseline
▲ 0.50% · 4.625%
HK$63,197
+HK$3,164/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,066/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,751 · Scale 2, in force from 26 Feb 2026)