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$28,461
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,346
−HK$900/mo
Today · 4.125%
HK$30,246
baseline
▲ 0.50% · 4.625%
HK$32,086
+HK$1,840/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,492/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,663
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,512
−HK$861/mo
Today · 4.125%
HK$33,373
baseline
▲ 0.50% · 4.625%
HK$35,132
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,746/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,153
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,216
−HK$1,079/mo
Today · 4.125%
HK$36,295
baseline
▲ 0.50% · 4.625%
HK$38,503
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,590/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,995
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,014
−HK$1,034/mo
Today · 4.125%
HK$40,048
baseline
▲ 0.50% · 4.625%
HK$42,159
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,096/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,845
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,085
−HK$1,259/mo
Today · 4.125%
HK$42,344
baseline
▲ 0.50% · 4.625%
HK$44,921
+HK$2,577/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$84,688/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,328
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,516
−HK$1,206/mo
Today · 4.125%
HK$46,722
baseline
▲ 0.50% · 4.625%
HK$49,185
+HK$2,463/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$93,444/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,230
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,823
−HK$1,619/mo
Today · 4.125%
HK$54,442
baseline
▲ 0.50% · 4.625%
HK$57,755
+HK$3,313/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,884/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,993
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,521
−HK$1,551/mo
Today · 4.125%
HK$60,072
baseline
▲ 0.50% · 4.625%
HK$63,238
+HK$3,166/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,144/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,056 · Scale 2, in force from 26 Feb 2026)