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$28,427
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,311
−HK$899/mo
Today · 4.125%
HK$30,210
baseline
▲ 0.50% · 4.625%
HK$32,048
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,420/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,625
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,473
−HK$860/mo
Today · 4.125%
HK$33,333
baseline
▲ 0.50% · 4.625%
HK$35,090
+HK$1,757/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,666/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,112
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,173
−HK$1,079/mo
Today · 4.125%
HK$36,252
baseline
▲ 0.50% · 4.625%
HK$38,457
+HK$2,205/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,504/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,950
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,968
−HK$1,032/mo
Today · 4.125%
HK$40,000
baseline
▲ 0.50% · 4.625%
HK$42,108
+HK$2,108/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,000/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,798
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,036
−HK$1,257/mo
Today · 4.125%
HK$42,293
baseline
▲ 0.50% · 4.625%
HK$44,867
+HK$2,574/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,586/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,275
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,462
−HK$1,205/mo
Today · 4.125%
HK$46,667
baseline
▲ 0.50% · 4.625%
HK$49,127
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,334/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,169
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,760
−HK$1,617/mo
Today · 4.125%
HK$54,377
baseline
▲ 0.50% · 4.625%
HK$57,686
+HK$3,309/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,754/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,925
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,451
−HK$1,549/mo
Today · 4.125%
HK$60,000
baseline
▲ 0.50% · 4.625%
HK$63,163
+HK$3,163/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$120,000/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,497 · Scale 2, in force from 26 Feb 2026)