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$28,448
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,332
−HK$900/mo
Today · 4.125%
HK$30,232
baseline
▲ 0.50% · 4.625%
HK$32,071
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,464/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,648
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,496
−HK$861/mo
Today · 4.125%
HK$33,357
baseline
▲ 0.50% · 4.625%
HK$35,116
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,714/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,137
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,199
−HK$1,079/mo
Today · 4.125%
HK$36,278
baseline
▲ 0.50% · 4.625%
HK$38,485
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,556/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,977
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,996
−HK$1,033/mo
Today · 4.125%
HK$40,029
baseline
▲ 0.50% · 4.625%
HK$42,139
+HK$2,110/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,058/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,827
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,065
−HK$1,259/mo
Today · 4.125%
HK$42,324
baseline
▲ 0.50% · 4.625%
HK$44,899
+HK$2,575/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,648/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,307
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,495
−HK$1,205/mo
Today · 4.125%
HK$46,700
baseline
▲ 0.50% · 4.625%
HK$49,162
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,400/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,206
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,798
−HK$1,619/mo
Today · 4.125%
HK$54,417
baseline
▲ 0.50% · 4.625%
HK$57,728
+HK$3,311/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,834/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,966
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,494
−HK$1,549/mo
Today · 4.125%
HK$60,043
baseline
▲ 0.50% · 4.625%
HK$63,208
+HK$3,165/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,086/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,836 · Scale 2, in force from 26 Feb 2026)