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$28,421
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,305
−HK$899/mo
Today · 4.125%
HK$30,204
baseline
▲ 0.50% · 4.625%
HK$32,042
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,408/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,619
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,467
−HK$860/mo
Today · 4.125%
HK$33,327
baseline
▲ 0.50% · 4.625%
HK$35,083
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,654/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,106
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,167
−HK$1,077/mo
Today · 4.125%
HK$36,244
baseline
▲ 0.50% · 4.625%
HK$38,450
+HK$2,206/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,488/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,942
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,960
−HK$1,032/mo
Today · 4.125%
HK$39,992
baseline
▲ 0.50% · 4.625%
HK$42,100
+HK$2,108/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$79,984/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,790
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,028
−HK$1,257/mo
Today · 4.125%
HK$42,285
baseline
▲ 0.50% · 4.625%
HK$44,858
+HK$2,573/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,570/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,266
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,453
−HK$1,205/mo
Today · 4.125%
HK$46,658
baseline
▲ 0.50% · 4.625%
HK$49,117
+HK$2,459/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,316/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,159
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,750
−HK$1,617/mo
Today · 4.125%
HK$54,367
baseline
▲ 0.50% · 4.625%
HK$57,675
+HK$3,308/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,734/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,913
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,440
−HK$1,548/mo
Today · 4.125%
HK$59,988
baseline
▲ 0.50% · 4.625%
HK$63,150
+HK$3,162/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$119,976/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,405 · Scale 2, in force from 26 Feb 2026)