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$28,412
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,295
−HK$898/mo
Today · 4.125%
HK$30,193
baseline
▲ 0.50% · 4.625%
HK$32,030
+HK$1,837/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,386/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,608
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,455
−HK$860/mo
Today · 4.125%
HK$33,315
baseline
▲ 0.50% · 4.625%
HK$35,071
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,630/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,094
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,154
−HK$1,078/mo
Today · 4.125%
HK$36,232
baseline
▲ 0.50% · 4.625%
HK$38,437
+HK$2,205/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$72,464/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,929
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,946
−HK$1,032/mo
Today · 4.125%
HK$39,978
baseline
▲ 0.50% · 4.625%
HK$42,086
+HK$2,108/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$79,956/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,776
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,014
−HK$1,257/mo
Today · 4.125%
HK$42,271
baseline
▲ 0.50% · 4.625%
HK$44,843
+HK$2,572/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,542/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,251
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,438
−HK$1,203/mo
Today · 4.125%
HK$46,641
baseline
▲ 0.50% · 4.625%
HK$49,100
+HK$2,459/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,282/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,141
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,732
−HK$1,616/mo
Today · 4.125%
HK$54,348
baseline
▲ 0.50% · 4.625%
HK$57,655
+HK$3,307/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,696/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,894
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,420
−HK$1,548/mo
Today · 4.125%
HK$59,968
baseline
▲ 0.50% · 4.625%
HK$63,129
+HK$3,161/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,936/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,245 · Scale 2, in force from 26 Feb 2026)