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$28,470
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,356
−HK$900/mo
Today · 4.125%
HK$30,256
baseline
▲ 0.50% · 4.625%
HK$32,097
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,512/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,673
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,522
−HK$862/mo
Today · 4.125%
HK$33,384
baseline
▲ 0.50% · 4.625%
HK$35,144
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,768/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,164
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,227
−HK$1,080/mo
Today · 4.125%
HK$36,307
baseline
▲ 0.50% · 4.625%
HK$38,516
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,614/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,008
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,027
−HK$1,034/mo
Today · 4.125%
HK$40,061
baseline
▲ 0.50% · 4.625%
HK$42,173
+HK$2,112/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,122/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,859
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,098
−HK$1,260/mo
Today · 4.125%
HK$42,358
baseline
▲ 0.50% · 4.625%
HK$44,935
+HK$2,577/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,716/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,342
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,531
−HK$1,207/mo
Today · 4.125%
HK$46,738
baseline
▲ 0.50% · 4.625%
HK$49,202
+HK$2,464/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,476/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,247
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,841
−HK$1,619/mo
Today · 4.125%
HK$54,460
baseline
▲ 0.50% · 4.625%
HK$57,774
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,920/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,011
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,540
−HK$1,552/mo
Today · 4.125%
HK$60,092
baseline
▲ 0.50% · 4.625%
HK$63,259
+HK$3,167/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,184/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,211 · Scale 2, in force from 26 Feb 2026)