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$28,459
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,344
−HK$900/mo
Today · 4.125%
HK$30,244
baseline
▲ 0.50% · 4.625%
HK$32,084
+HK$1,840/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,488/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,660
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,510
−HK$861/mo
Today · 4.125%
HK$33,371
baseline
▲ 0.50% · 4.625%
HK$35,130
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,742/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,151
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,213
−HK$1,079/mo
Today · 4.125%
HK$36,292
baseline
▲ 0.50% · 4.625%
HK$38,501
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,584/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,993
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,011
−HK$1,034/mo
Today · 4.125%
HK$40,045
baseline
▲ 0.50% · 4.625%
HK$42,156
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,090/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,843
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,082
−HK$1,259/mo
Today · 4.125%
HK$42,341
baseline
▲ 0.50% · 4.625%
HK$44,918
+HK$2,577/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$84,682/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,325
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,513
−HK$1,206/mo
Today · 4.125%
HK$46,719
baseline
▲ 0.50% · 4.625%
HK$49,182
+HK$2,463/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$93,438/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,226
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,820
−HK$1,619/mo
Today · 4.125%
HK$54,439
baseline
▲ 0.50% · 4.625%
HK$57,751
+HK$3,312/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,878/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,989
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,517
−HK$1,551/mo
Today · 4.125%
HK$60,068
baseline
▲ 0.50% · 4.625%
HK$63,234
+HK$3,166/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,136/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,025 · Scale 2, in force from 26 Feb 2026)