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$28,470
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,355
−HK$900/mo
Today · 4.125%
HK$30,255
baseline
▲ 0.50% · 4.625%
HK$32,096
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,510/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,672
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,522
−HK$861/mo
Today · 4.125%
HK$33,383
baseline
▲ 0.50% · 4.625%
HK$35,143
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,766/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,164
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,226
−HK$1,080/mo
Today · 4.125%
HK$36,306
baseline
▲ 0.50% · 4.625%
HK$38,515
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,612/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,007
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,026
−HK$1,034/mo
Today · 4.125%
HK$40,060
baseline
▲ 0.50% · 4.625%
HK$42,172
+HK$2,112/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,120/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,857
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,097
−HK$1,260/mo
Today · 4.125%
HK$42,357
baseline
▲ 0.50% · 4.625%
HK$44,934
+HK$2,577/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,714/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,341
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,530
−HK$1,207/mo
Today · 4.125%
HK$46,737
baseline
▲ 0.50% · 4.625%
HK$49,200
+HK$2,463/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,474/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,245
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,839
−HK$1,620/mo
Today · 4.125%
HK$54,459
baseline
▲ 0.50% · 4.625%
HK$57,772
+HK$3,313/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,918/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,010
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,539
−HK$1,551/mo
Today · 4.125%
HK$60,090
baseline
▲ 0.50% · 4.625%
HK$63,257
+HK$3,167/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,180/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,198 · Scale 2, in force from 26 Feb 2026)