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$28,439
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,324
−HK$898/mo
Today · 4.125%
HK$30,222
baseline
▲ 0.50% · 4.625%
HK$32,061
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,444/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,638
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,487
−HK$861/mo
Today · 4.125%
HK$33,348
baseline
▲ 0.50% · 4.625%
HK$35,105
+HK$1,757/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,696/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,127
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,188
−HK$1,079/mo
Today · 4.125%
HK$36,267
baseline
▲ 0.50% · 4.625%
HK$38,474
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,534/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,966
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,984
−HK$1,033/mo
Today · 4.125%
HK$40,017
baseline
▲ 0.50% · 4.625%
HK$42,126
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,034/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,815
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,053
−HK$1,258/mo
Today · 4.125%
HK$42,311
baseline
▲ 0.50% · 4.625%
HK$44,886
+HK$2,575/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,622/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,294
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,481
−HK$1,206/mo
Today · 4.125%
HK$46,687
baseline
▲ 0.50% · 4.625%
HK$49,147
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,374/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,190
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,783
−HK$1,617/mo
Today · 4.125%
HK$54,400
baseline
▲ 0.50% · 4.625%
HK$57,711
+HK$3,311/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,800/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,949
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,476
−HK$1,550/mo
Today · 4.125%
HK$60,026
baseline
▲ 0.50% · 4.625%
HK$63,190
+HK$3,164/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$120,052/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,696 · Scale 2, in force from 26 Feb 2026)