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$28,473
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,358
−HK$900/mo
Today · 4.125%
HK$30,258
baseline
▲ 0.50% · 4.625%
HK$32,099
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,516/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,676
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,525
−HK$862/mo
Today · 4.125%
HK$33,387
baseline
▲ 0.50% · 4.625%
HK$35,147
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,774/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,167
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,230
−HK$1,080/mo
Today · 4.125%
HK$36,310
baseline
▲ 0.50% · 4.625%
HK$38,519
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,620/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,011
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,030
−HK$1,034/mo
Today · 4.125%
HK$40,064
baseline
▲ 0.50% · 4.625%
HK$42,176
+HK$2,112/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,128/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,862
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,102
−HK$1,259/mo
Today · 4.125%
HK$42,361
baseline
▲ 0.50% · 4.625%
HK$44,939
+HK$2,578/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,722/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,346
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,535
−HK$1,207/mo
Today · 4.125%
HK$46,742
baseline
▲ 0.50% · 4.625%
HK$49,205
+HK$2,463/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,484/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,251
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,845
−HK$1,620/mo
Today · 4.125%
HK$54,465
baseline
▲ 0.50% · 4.625%
HK$57,779
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,930/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,016
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,545
−HK$1,551/mo
Today · 4.125%
HK$60,096
baseline
▲ 0.50% · 4.625%
HK$63,264
+HK$3,168/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,192/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,249 · Scale 2, in force from 26 Feb 2026)