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$28,466
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,351
−HK$900/mo
Today · 4.125%
HK$30,251
baseline
▲ 0.50% · 4.625%
HK$32,091
+HK$1,840/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,502/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,668
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,517
−HK$861/mo
Today · 4.125%
HK$33,378
baseline
▲ 0.50% · 4.625%
HK$35,138
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,756/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,159
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,221
−HK$1,080/mo
Today · 4.125%
HK$36,301
baseline
▲ 0.50% · 4.625%
HK$38,509
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,602/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,001
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,020
−HK$1,034/mo
Today · 4.125%
HK$40,054
baseline
▲ 0.50% · 4.625%
HK$42,166
+HK$2,112/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,108/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,852
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,091
−HK$1,260/mo
Today · 4.125%
HK$42,351
baseline
▲ 0.50% · 4.625%
HK$44,928
+HK$2,577/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,702/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,335
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,524
−HK$1,206/mo
Today · 4.125%
HK$46,730
baseline
▲ 0.50% · 4.625%
HK$49,193
+HK$2,463/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,460/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,238
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,832
−HK$1,619/mo
Today · 4.125%
HK$54,451
baseline
▲ 0.50% · 4.625%
HK$57,764
+HK$3,313/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,902/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,002
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,530
−HK$1,551/mo
Today · 4.125%
HK$60,081
baseline
▲ 0.50% · 4.625%
HK$63,248
+HK$3,167/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,162/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,131 · Scale 2, in force from 26 Feb 2026)