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$28,437
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,321
−HK$899/mo
Today · 4.125%
HK$30,220
baseline
▲ 0.50% · 4.625%
HK$32,059
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,440/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,636
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,484
−HK$861/mo
Today · 4.125%
HK$33,345
baseline
▲ 0.50% · 4.625%
HK$35,102
+HK$1,757/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,690/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,124
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,186
−HK$1,078/mo
Today · 4.125%
HK$36,264
baseline
▲ 0.50% · 4.625%
HK$38,471
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,528/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,963
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,981
−HK$1,033/mo
Today · 4.125%
HK$40,014
baseline
▲ 0.50% · 4.625%
HK$42,123
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,028/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,812
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,050
−HK$1,258/mo
Today · 4.125%
HK$42,308
baseline
▲ 0.50% · 4.625%
HK$44,882
+HK$2,574/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,616/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,290
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,478
−HK$1,205/mo
Today · 4.125%
HK$46,683
baseline
▲ 0.50% · 4.625%
HK$49,143
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,366/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,186
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,778
−HK$1,618/mo
Today · 4.125%
HK$54,396
baseline
▲ 0.50% · 4.625%
HK$57,706
+HK$3,310/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,792/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,944
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,471
−HK$1,550/mo
Today · 4.125%
HK$60,021
baseline
▲ 0.50% · 4.625%
HK$63,184
+HK$3,163/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$120,042/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,658 · Scale 2, in force from 26 Feb 2026)