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$28,458
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,343
−HK$899/mo
Today · 4.125%
HK$30,242
baseline
▲ 0.50% · 4.625%
HK$32,082
+HK$1,840/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,484/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,659
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,508
−HK$861/mo
Today · 4.125%
HK$33,369
baseline
▲ 0.50% · 4.625%
HK$35,128
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,738/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,149
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,211
−HK$1,080/mo
Today · 4.125%
HK$36,291
baseline
▲ 0.50% · 4.625%
HK$38,499
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,582/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,991
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,009
−HK$1,034/mo
Today · 4.125%
HK$40,043
baseline
▲ 0.50% · 4.625%
HK$42,154
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,086/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,841
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,080
−HK$1,259/mo
Today · 4.125%
HK$42,339
baseline
▲ 0.50% · 4.625%
HK$44,915
+HK$2,576/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$84,678/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,322
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,511
−HK$1,206/mo
Today · 4.125%
HK$46,717
baseline
▲ 0.50% · 4.625%
HK$49,179
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$93,434/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,224
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,817
−HK$1,619/mo
Today · 4.125%
HK$54,436
baseline
▲ 0.50% · 4.625%
HK$57,748
+HK$3,312/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,872/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,986
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,514
−HK$1,551/mo
Today · 4.125%
HK$60,065
baseline
▲ 0.50% · 4.625%
HK$63,231
+HK$3,166/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,130/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,000 · Scale 2, in force from 26 Feb 2026)