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$28,472
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,357
−HK$900/mo
Today · 4.125%
HK$30,257
baseline
▲ 0.50% · 4.625%
HK$32,098
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,514/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,674
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,524
−HK$862/mo
Today · 4.125%
HK$33,386
baseline
▲ 0.50% · 4.625%
HK$35,146
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,772/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,166
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,229
−HK$1,080/mo
Today · 4.125%
HK$36,309
baseline
▲ 0.50% · 4.625%
HK$38,518
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,618/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,009
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,029
−HK$1,034/mo
Today · 4.125%
HK$40,063
baseline
▲ 0.50% · 4.625%
HK$42,175
+HK$2,112/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,126/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,860
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,100
−HK$1,260/mo
Today · 4.125%
HK$42,360
baseline
▲ 0.50% · 4.625%
HK$44,937
+HK$2,577/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,720/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,344
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,534
−HK$1,206/mo
Today · 4.125%
HK$46,740
baseline
▲ 0.50% · 4.625%
HK$49,204
+HK$2,464/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,480/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,249
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,843
−HK$1,620/mo
Today · 4.125%
HK$54,463
baseline
▲ 0.50% · 4.625%
HK$57,777
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,926/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,014
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,543
−HK$1,551/mo
Today · 4.125%
HK$60,094
baseline
▲ 0.50% · 4.625%
HK$63,262
+HK$3,168/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,188/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,232 · Scale 2, in force from 26 Feb 2026)