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$28,466
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,352
−HK$899/mo
Today · 4.125%
HK$30,251
baseline
▲ 0.50% · 4.625%
HK$32,092
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,502/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,668
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,518
−HK$861/mo
Today · 4.125%
HK$33,379
baseline
▲ 0.50% · 4.625%
HK$35,139
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,758/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,159
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,222
−HK$1,080/mo
Today · 4.125%
HK$36,302
baseline
▲ 0.50% · 4.625%
HK$38,510
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,604/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,002
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,021
−HK$1,034/mo
Today · 4.125%
HK$40,055
baseline
▲ 0.50% · 4.625%
HK$42,167
+HK$2,112/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,110/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,853
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,092
−HK$1,260/mo
Today · 4.125%
HK$42,352
baseline
▲ 0.50% · 4.625%
HK$44,929
+HK$2,577/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,704/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,336
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,525
−HK$1,206/mo
Today · 4.125%
HK$46,731
baseline
▲ 0.50% · 4.625%
HK$49,194
+HK$2,463/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,462/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,239
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,833
−HK$1,619/mo
Today · 4.125%
HK$54,452
baseline
▲ 0.50% · 4.625%
HK$57,766
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,904/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,003
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,532
−HK$1,551/mo
Today · 4.125%
HK$60,083
baseline
▲ 0.50% · 4.625%
HK$63,250
+HK$3,167/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,166/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,142 · Scale 2, in force from 26 Feb 2026)