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$28,468
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,354
−HK$899/mo
Today · 4.125%
HK$30,253
baseline
▲ 0.50% · 4.625%
HK$32,094
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,506/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,671
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,520
−HK$862/mo
Today · 4.125%
HK$33,382
baseline
▲ 0.50% · 4.625%
HK$35,141
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,764/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,162
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,224
−HK$1,080/mo
Today · 4.125%
HK$36,304
baseline
▲ 0.50% · 4.625%
HK$38,513
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,608/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,005
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,024
−HK$1,034/mo
Today · 4.125%
HK$40,058
baseline
▲ 0.50% · 4.625%
HK$42,169
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,116/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,855
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,095
−HK$1,260/mo
Today · 4.125%
HK$42,355
baseline
▲ 0.50% · 4.625%
HK$44,932
+HK$2,577/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,710/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,339
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,528
−HK$1,206/mo
Today · 4.125%
HK$46,734
baseline
▲ 0.50% · 4.625%
HK$49,198
+HK$2,464/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,468/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,243
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,837
−HK$1,619/mo
Today · 4.125%
HK$54,456
baseline
▲ 0.50% · 4.625%
HK$57,770
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,912/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,007
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,536
−HK$1,551/mo
Today · 4.125%
HK$60,087
baseline
▲ 0.50% · 4.625%
HK$63,254
+HK$3,167/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,174/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,174 · Scale 2, in force from 26 Feb 2026)