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$28,444
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,329
−HK$899/mo
Today · 4.125%
HK$30,228
baseline
▲ 0.50% · 4.625%
HK$32,067
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,456/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,644
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,493
−HK$861/mo
Today · 4.125%
HK$33,354
baseline
▲ 0.50% · 4.625%
HK$35,112
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,708/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,133
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,195
−HK$1,079/mo
Today · 4.125%
HK$36,274
baseline
▲ 0.50% · 4.625%
HK$38,481
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,548/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,973
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,991
−HK$1,033/mo
Today · 4.125%
HK$40,024
baseline
▲ 0.50% · 4.625%
HK$42,134
+HK$2,110/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,048/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,822
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,061
−HK$1,258/mo
Today · 4.125%
HK$42,319
baseline
▲ 0.50% · 4.625%
HK$44,894
+HK$2,575/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,638/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,302
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,490
−HK$1,205/mo
Today · 4.125%
HK$46,695
baseline
▲ 0.50% · 4.625%
HK$49,157
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,390/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,200
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,792
−HK$1,619/mo
Today · 4.125%
HK$54,411
baseline
▲ 0.50% · 4.625%
HK$57,721
+HK$3,310/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,822/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,959
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,487
−HK$1,550/mo
Today · 4.125%
HK$60,037
baseline
▲ 0.50% · 4.625%
HK$63,201
+HK$3,164/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,074/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,783 · Scale 2, in force from 26 Feb 2026)