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$28,465
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,350
−HK$900/mo
Today · 4.125%
HK$30,250
baseline
▲ 0.50% · 4.625%
HK$32,090
+HK$1,840/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,500/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,667
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,516
−HK$861/mo
Today · 4.125%
HK$33,377
baseline
▲ 0.50% · 4.625%
HK$35,137
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,754/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,158
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,220
−HK$1,080/mo
Today · 4.125%
HK$36,300
baseline
▲ 0.50% · 4.625%
HK$38,508
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,600/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,000
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,019
−HK$1,034/mo
Today · 4.125%
HK$40,053
baseline
▲ 0.50% · 4.625%
HK$42,164
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,106/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,850
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,090
−HK$1,259/mo
Today · 4.125%
HK$42,349
baseline
▲ 0.50% · 4.625%
HK$44,926
+HK$2,577/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$84,698/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,333
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,522
−HK$1,206/mo
Today · 4.125%
HK$46,728
baseline
▲ 0.50% · 4.625%
HK$49,192
+HK$2,464/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$93,456/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,236
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,830
−HK$1,619/mo
Today · 4.125%
HK$54,449
baseline
▲ 0.50% · 4.625%
HK$57,762
+HK$3,313/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,898/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,000
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,529
−HK$1,550/mo
Today · 4.125%
HK$60,079
baseline
▲ 0.50% · 4.625%
HK$63,246
+HK$3,167/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,158/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,116 · Scale 2, in force from 26 Feb 2026)