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$28,399
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,282
−HK$898/mo
Today · 4.125%
HK$30,180
baseline
▲ 0.50% · 4.625%
HK$32,016
+HK$1,836/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,360/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$467,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,594
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,441
−HK$860/mo
Today · 4.125%
HK$33,301
baseline
▲ 0.50% · 4.625%
HK$35,056
+HK$1,755/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,602/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$467,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,079
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,139
−HK$1,077/mo
Today · 4.125%
HK$36,216
baseline
▲ 0.50% · 4.625%
HK$38,420
+HK$2,204/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,432/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,912
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,929
−HK$1,032/mo
Today · 4.125%
HK$39,961
baseline
▲ 0.50% · 4.625%
HK$42,067
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,922/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,759
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,995
−HK$1,257/mo
Today · 4.125%
HK$42,252
baseline
▲ 0.50% · 4.625%
HK$44,823
+HK$2,571/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,504/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,231
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,417
−HK$1,204/mo
Today · 4.125%
HK$46,621
baseline
▲ 0.50% · 4.625%
HK$49,078
+HK$2,457/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,242/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,118
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,708
−HK$1,616/mo
Today · 4.125%
HK$54,324
baseline
▲ 0.50% · 4.625%
HK$57,629
+HK$3,305/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,648/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,869
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,394
−HK$1,547/mo
Today · 4.125%
HK$59,941
baseline
▲ 0.50% · 4.625%
HK$63,101
+HK$3,160/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,882/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,039 · Scale 2, in force from 26 Feb 2026)