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$1,785/mo
▼ 0.25% · 3.875%
HK$29,356
−HK$900/mo
Today · 4.125%
HK$30,256
baseline
▲ 0.50% · 4.625%
HK$32,097
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,512/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,673
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,523
−HK$862/mo
Today · 4.125%
HK$33,385
baseline
▲ 0.50% · 4.625%
HK$35,144
+HK$1,759/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$468,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,165
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,228
−HK$1,079/mo
Today · 4.125%
HK$36,307
baseline
▲ 0.50% · 4.625%
HK$38,516
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,614/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,008
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,027
−HK$1,034/mo
Today · 4.125%
HK$40,061
baseline
▲ 0.50% · 4.625%
HK$42,173
+HK$2,112/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,122/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,859
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,099
−HK$1,259/mo
Today · 4.125%
HK$42,358
baseline
▲ 0.50% · 4.625%
HK$44,936
+HK$2,578/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,716/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,343
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,532
−HK$1,206/mo
Today · 4.125%
HK$46,738
baseline
▲ 0.50% · 4.625%
HK$49,202
+HK$2,464/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,476/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,247
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,841
−HK$1,620/mo
Today · 4.125%
HK$54,461
baseline
▲ 0.50% · 4.625%
HK$57,775
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,922/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,012
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,541
−HK$1,551/mo
Today · 4.125%
HK$60,092
baseline
▲ 0.50% · 4.625%
HK$63,260
+HK$3,168/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,184/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,216 · Scale 2, in force from 26 Feb 2026)