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$28,413
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,297
−HK$898/mo
Today · 4.125%
HK$30,195
baseline
▲ 0.50% · 4.625%
HK$32,032
+HK$1,837/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,390/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,609
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,457
−HK$860/mo
Today · 4.125%
HK$33,317
baseline
▲ 0.50% · 4.625%
HK$35,073
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,634/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,095
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,156
−HK$1,077/mo
Today · 4.125%
HK$36,233
baseline
▲ 0.50% · 4.625%
HK$38,438
+HK$2,205/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$72,466/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,931
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,948
−HK$1,032/mo
Today · 4.125%
HK$39,980
baseline
▲ 0.50% · 4.625%
HK$42,087
+HK$2,107/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$79,960/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,778
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,015
−HK$1,257/mo
Today · 4.125%
HK$42,272
baseline
▲ 0.50% · 4.625%
HK$44,845
+HK$2,573/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,544/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,253
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,439
−HK$1,204/mo
Today · 4.125%
HK$46,643
baseline
▲ 0.50% · 4.625%
HK$49,102
+HK$2,459/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,286/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,143
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,734
−HK$1,616/mo
Today · 4.125%
HK$54,350
baseline
▲ 0.50% · 4.625%
HK$57,657
+HK$3,307/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,700/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,896
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,422
−HK$1,548/mo
Today · 4.125%
HK$59,970
baseline
▲ 0.50% · 4.625%
HK$63,131
+HK$3,161/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,940/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,264 · Scale 2, in force from 26 Feb 2026)