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$28,440
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,325
−HK$899/mo
Today · 4.125%
HK$30,224
baseline
▲ 0.50% · 4.625%
HK$32,063
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,448/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,639
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,488
−HK$861/mo
Today · 4.125%
HK$33,349
baseline
▲ 0.50% · 4.625%
HK$35,107
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,698/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,128
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,190
−HK$1,078/mo
Today · 4.125%
HK$36,268
baseline
▲ 0.50% · 4.625%
HK$38,475
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,536/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,967
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,986
−HK$1,033/mo
Today · 4.125%
HK$40,019
baseline
▲ 0.50% · 4.625%
HK$42,128
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,038/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,816
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,055
−HK$1,258/mo
Today · 4.125%
HK$42,313
baseline
▲ 0.50% · 4.625%
HK$44,888
+HK$2,575/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,626/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,295
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,483
−HK$1,205/mo
Today · 4.125%
HK$46,688
baseline
▲ 0.50% · 4.625%
HK$49,149
+HK$2,461/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,376/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,192
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,785
−HK$1,618/mo
Today · 4.125%
HK$54,403
baseline
▲ 0.50% · 4.625%
HK$57,713
+HK$3,310/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,806/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,951
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,478
−HK$1,550/mo
Today · 4.125%
HK$60,028
baseline
▲ 0.50% · 4.625%
HK$63,192
+HK$3,164/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,056/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,715 · Scale 2, in force from 26 Feb 2026)