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$28,430
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,314
−HK$898/mo
Today · 4.125%
HK$30,212
baseline
▲ 0.50% · 4.625%
HK$32,051
+HK$1,839/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,424/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,628
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,476
−HK$860/mo
Today · 4.125%
HK$33,336
baseline
▲ 0.50% · 4.625%
HK$35,094
+HK$1,758/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,672/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,116
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,177
−HK$1,078/mo
Today · 4.125%
HK$36,255
baseline
▲ 0.50% · 4.625%
HK$38,461
+HK$2,206/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,510/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,953
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,971
−HK$1,033/mo
Today · 4.125%
HK$40,004
baseline
▲ 0.50% · 4.625%
HK$42,112
+HK$2,108/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,008/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,801
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,040
−HK$1,257/mo
Today · 4.125%
HK$42,297
baseline
▲ 0.50% · 4.625%
HK$44,871
+HK$2,574/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,594/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,279
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,466
−HK$1,205/mo
Today · 4.125%
HK$46,671
baseline
▲ 0.50% · 4.625%
HK$49,131
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,342/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,173
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,765
−HK$1,617/mo
Today · 4.125%
HK$54,382
baseline
▲ 0.50% · 4.625%
HK$57,691
+HK$3,309/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,764/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,930
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,457
−HK$1,549/mo
Today · 4.125%
HK$60,006
baseline
▲ 0.50% · 4.625%
HK$63,169
+HK$3,163/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$120,012/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,541 · Scale 2, in force from 26 Feb 2026)