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$28,471
−HK$1,786/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$468,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,674
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,524
−HK$861/mo
Today · 4.125%
HK$33,385
baseline
▲ 0.50% · 4.625%
HK$35,145
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,770/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,166
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,228
−HK$1,080/mo
Today · 4.125%
HK$36,308
baseline
▲ 0.50% · 4.625%
HK$38,517
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,616/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,009
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,028
−HK$1,034/mo
Today · 4.125%
HK$40,062
baseline
▲ 0.50% · 4.625%
HK$42,174
+HK$2,112/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,124/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,227 · 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$468,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,344
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,533
−HK$1,207/mo
Today · 4.125%
HK$46,740
baseline
▲ 0.50% · 4.625%
HK$49,203
+HK$2,463/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$468,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,248
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,843
−HK$1,619/mo
Today · 4.125%
HK$54,462
baseline
▲ 0.50% · 4.625%
HK$57,776
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,924/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,013
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,542
−HK$1,552/mo
Today · 4.125%
HK$60,094
baseline
▲ 0.50% · 4.625%
HK$63,261
+HK$3,167/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$468,227 · Scale 2, in force from 26 Feb 2026)