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$28,404
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,287
−HK$898/mo
Today · 4.125%
HK$30,185
baseline
▲ 0.50% · 4.625%
HK$32,022
+HK$1,837/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,370/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,599
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,446
−HK$860/mo
Today · 4.125%
HK$33,306
baseline
▲ 0.50% · 4.625%
HK$35,062
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,612/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,084
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,145
−HK$1,077/mo
Today · 4.125%
HK$36,222
baseline
▲ 0.50% · 4.625%
HK$38,426
+HK$2,204/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,444/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,919
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,936
−HK$1,031/mo
Today · 4.125%
HK$39,967
baseline
▲ 0.50% · 4.625%
HK$42,074
+HK$2,107/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,934/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,765
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,002
−HK$1,257/mo
Today · 4.125%
HK$42,259
baseline
▲ 0.50% · 4.625%
HK$44,830
+HK$2,571/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,518/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,238
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,425
−HK$1,203/mo
Today · 4.125%
HK$46,628
baseline
▲ 0.50% · 4.625%
HK$49,086
+HK$2,458/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,256/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,127
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,717
−HK$1,616/mo
Today · 4.125%
HK$54,333
baseline
▲ 0.50% · 4.625%
HK$57,639
+HK$3,306/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,666/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,878
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,403
−HK$1,548/mo
Today · 4.125%
HK$59,951
baseline
▲ 0.50% · 4.625%
HK$63,111
+HK$3,160/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,902/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,114 · Scale 2, in force from 26 Feb 2026)