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$1,782/mo
▼ 0.25% · 3.875%
HK$29,305
−HK$898/mo
Today · 4.125%
HK$30,203
baseline
▲ 0.50% · 4.625%
HK$32,041
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,406/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,618
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,466
−HK$860/mo
Today · 4.125%
HK$33,326
baseline
▲ 0.50% · 4.625%
HK$35,083
+HK$1,757/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,652/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,105
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,166
−HK$1,078/mo
Today · 4.125%
HK$36,244
baseline
▲ 0.50% · 4.625%
HK$38,449
+HK$2,205/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$467,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,941
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,959
−HK$1,032/mo
Today · 4.125%
HK$39,991
baseline
▲ 0.50% · 4.625%
HK$42,099
+HK$2,108/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$79,982/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,789
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,027
−HK$1,257/mo
Today · 4.125%
HK$42,284
baseline
▲ 0.50% · 4.625%
HK$44,857
+HK$2,573/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,568/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,265
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,452
−HK$1,204/mo
Today · 4.125%
HK$46,656
baseline
▲ 0.50% · 4.625%
HK$49,116
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,312/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,157
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,749
−HK$1,616/mo
Today · 4.125%
HK$54,365
baseline
▲ 0.50% · 4.625%
HK$57,673
+HK$3,308/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,730/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,912
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,438
−HK$1,549/mo
Today · 4.125%
HK$59,987
baseline
▲ 0.50% · 4.625%
HK$63,149
+HK$3,162/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$119,974/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,395 · Scale 2, in force from 26 Feb 2026)