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$28,435
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$899/mo
Today · 4.125%
HK$30,219
baseline
▲ 0.50% · 4.625%
HK$32,057
+HK$1,838/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,438/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,634
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,482
−HK$861/mo
Today · 4.125%
HK$33,343
baseline
▲ 0.50% · 4.625%
HK$35,101
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,686/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,122
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,184
−HK$1,078/mo
Today · 4.125%
HK$36,262
baseline
▲ 0.50% · 4.625%
HK$38,469
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,524/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,961
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,979
−HK$1,033/mo
Today · 4.125%
HK$40,012
baseline
▲ 0.50% · 4.625%
HK$42,121
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,024/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,810
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,048
−HK$1,258/mo
Today · 4.125%
HK$42,306
baseline
▲ 0.50% · 4.625%
HK$44,880
+HK$2,574/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,612/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,288
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,475
−HK$1,205/mo
Today · 4.125%
HK$46,680
baseline
▲ 0.50% · 4.625%
HK$49,141
+HK$2,461/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,360/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,184
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,776
−HK$1,617/mo
Today · 4.125%
HK$54,393
baseline
▲ 0.50% · 4.625%
HK$57,703
+HK$3,310/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,786/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,941
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,468
−HK$1,550/mo
Today · 4.125%
HK$60,018
baseline
▲ 0.50% · 4.625%
HK$63,181
+HK$3,163/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$120,036/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,635 · Scale 2, in force from 26 Feb 2026)