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$28,442
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,326
−HK$899/mo
Today · 4.125%
HK$30,225
baseline
▲ 0.50% · 4.625%
HK$32,064
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,450/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,641
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,490
−HK$860/mo
Today · 4.125%
HK$33,350
baseline
▲ 0.50% · 4.625%
HK$35,108
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,700/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,130
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,192
−HK$1,078/mo
Today · 4.125%
HK$36,270
baseline
▲ 0.50% · 4.625%
HK$38,477
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,540/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,969
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,988
−HK$1,033/mo
Today · 4.125%
HK$40,021
baseline
▲ 0.50% · 4.625%
HK$42,130
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,042/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,818
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,057
−HK$1,258/mo
Today · 4.125%
HK$42,315
baseline
▲ 0.50% · 4.625%
HK$44,890
+HK$2,575/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,630/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,297
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,485
−HK$1,206/mo
Today · 4.125%
HK$46,691
baseline
▲ 0.50% · 4.625%
HK$49,152
+HK$2,461/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,382/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,195
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,787
−HK$1,618/mo
Today · 4.125%
HK$54,405
baseline
▲ 0.50% · 4.625%
HK$57,716
+HK$3,311/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,810/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,954
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,481
−HK$1,550/mo
Today · 4.125%
HK$60,031
baseline
▲ 0.50% · 4.625%
HK$63,195
+HK$3,164/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,062/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,738 · Scale 2, in force from 26 Feb 2026)