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$28,445
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,330
−HK$899/mo
Today · 4.125%
HK$30,229
baseline
▲ 0.50% · 4.625%
HK$32,068
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,458/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,645
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,494
−HK$861/mo
Today · 4.125%
HK$33,355
baseline
▲ 0.50% · 4.625%
HK$35,113
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,710/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,134
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,196
−HK$1,079/mo
Today · 4.125%
HK$36,275
baseline
▲ 0.50% · 4.625%
HK$38,482
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,550/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,974
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,992
−HK$1,033/mo
Today · 4.125%
HK$40,025
baseline
▲ 0.50% · 4.625%
HK$42,135
+HK$2,110/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,050/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,823
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,062
−HK$1,258/mo
Today · 4.125%
HK$42,320
baseline
▲ 0.50% · 4.625%
HK$44,896
+HK$2,576/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,640/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,303
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,491
−HK$1,205/mo
Today · 4.125%
HK$46,696
baseline
▲ 0.50% · 4.625%
HK$49,158
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,392/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,201
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,794
−HK$1,618/mo
Today · 4.125%
HK$54,412
baseline
▲ 0.50% · 4.625%
HK$57,723
+HK$3,311/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,824/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,961
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,488
−HK$1,550/mo
Today · 4.125%
HK$60,038
baseline
▲ 0.50% · 4.625%
HK$63,203
+HK$3,165/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,076/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,795 · Scale 2, in force from 26 Feb 2026)