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$28,425
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,309
−HK$898/mo
Today · 4.125%
HK$30,207
baseline
▲ 0.50% · 4.625%
HK$32,045
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,414/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,622
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,470
−HK$861/mo
Today · 4.125%
HK$33,331
baseline
▲ 0.50% · 4.625%
HK$35,088
+HK$1,757/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,662/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,110
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,171
−HK$1,078/mo
Today · 4.125%
HK$36,249
baseline
▲ 0.50% · 4.625%
HK$38,455
+HK$2,206/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,498/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,947
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,965
−HK$1,032/mo
Today · 4.125%
HK$39,997
baseline
▲ 0.50% · 4.625%
HK$42,105
+HK$2,108/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$79,994/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,795
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,033
−HK$1,257/mo
Today · 4.125%
HK$42,290
baseline
▲ 0.50% · 4.625%
HK$44,864
+HK$2,574/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,580/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,271
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,459
−HK$1,204/mo
Today · 4.125%
HK$46,663
baseline
▲ 0.50% · 4.625%
HK$49,123
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,326/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,165
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,756
−HK$1,617/mo
Today · 4.125%
HK$54,373
baseline
▲ 0.50% · 4.625%
HK$57,682
+HK$3,309/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,746/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,920
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,447
−HK$1,549/mo
Today · 4.125%
HK$59,996
baseline
▲ 0.50% · 4.625%
HK$63,158
+HK$3,162/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$119,992/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,462 · Scale 2, in force from 26 Feb 2026)