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$28,414
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,298
−HK$898/mo
Today · 4.125%
HK$30,196
baseline
▲ 0.50% · 4.625%
HK$32,034
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,392/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,611
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,459
−HK$860/mo
Today · 4.125%
HK$33,319
baseline
▲ 0.50% · 4.625%
HK$35,075
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,638/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,097
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,158
−HK$1,078/mo
Today · 4.125%
HK$36,236
baseline
▲ 0.50% · 4.625%
HK$38,440
+HK$2,204/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$72,472/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,933
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,950
−HK$1,032/mo
Today · 4.125%
HK$39,982
baseline
▲ 0.50% · 4.625%
HK$42,090
+HK$2,108/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$79,964/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,780
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,018
−HK$1,257/mo
Today · 4.125%
HK$42,275
baseline
▲ 0.50% · 4.625%
HK$44,847
+HK$2,572/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,550/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,255
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,442
−HK$1,204/mo
Today · 4.125%
HK$46,646
baseline
▲ 0.50% · 4.625%
HK$49,105
+HK$2,459/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,292/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,146
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,737
−HK$1,616/mo
Today · 4.125%
HK$54,353
baseline
▲ 0.50% · 4.625%
HK$57,661
+HK$3,308/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,706/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,899
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,425
−HK$1,549/mo
Today · 4.125%
HK$59,974
baseline
▲ 0.50% · 4.625%
HK$63,135
+HK$3,161/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,948/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,291 · Scale 2, in force from 26 Feb 2026)