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$28,443
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,328
−HK$899/mo
Today · 4.125%
HK$30,227
baseline
▲ 0.50% · 4.625%
HK$32,066
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,454/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,643
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,491
−HK$861/mo
Today · 4.125%
HK$33,352
baseline
▲ 0.50% · 4.625%
HK$35,110
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,704/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,132
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,193
−HK$1,079/mo
Today · 4.125%
HK$36,272
baseline
▲ 0.50% · 4.625%
HK$38,479
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,544/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,971
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,990
−HK$1,033/mo
Today · 4.125%
HK$40,023
baseline
▲ 0.50% · 4.625%
HK$42,132
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,046/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,820
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,059
−HK$1,258/mo
Today · 4.125%
HK$42,317
baseline
▲ 0.50% · 4.625%
HK$44,892
+HK$2,575/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,634/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,300
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,488
−HK$1,205/mo
Today · 4.125%
HK$46,693
baseline
▲ 0.50% · 4.625%
HK$49,154
+HK$2,461/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,386/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,198
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,790
−HK$1,618/mo
Today · 4.125%
HK$54,408
baseline
▲ 0.50% · 4.625%
HK$57,719
+HK$3,311/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,816/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,957
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,484
−HK$1,550/mo
Today · 4.125%
HK$60,034
baseline
▲ 0.50% · 4.625%
HK$63,198
+HK$3,164/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,068/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,762 · Scale 2, in force from 26 Feb 2026)