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$1,782/mo
▼ 0.25% · 3.875%
HK$29,288
−HK$898/mo
Today · 4.125%
HK$30,186
baseline
▲ 0.50% · 4.625%
HK$32,022
+HK$1,836/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,372/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,600
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,447
−HK$860/mo
Today · 4.125%
HK$33,307
baseline
▲ 0.50% · 4.625%
HK$35,062
+HK$1,755/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,614/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,085
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,145
−HK$1,078/mo
Today · 4.125%
HK$36,223
baseline
▲ 0.50% · 4.625%
HK$38,427
+HK$2,204/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,446/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,919
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,936
−HK$1,032/mo
Today · 4.125%
HK$39,968
baseline
▲ 0.50% · 4.625%
HK$42,075
+HK$2,107/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,936/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,766
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,003
−HK$1,257/mo
Today · 4.125%
HK$42,260
baseline
▲ 0.50% · 4.625%
HK$44,831
+HK$2,571/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,520/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,239
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,426
−HK$1,203/mo
Today · 4.125%
HK$46,629
baseline
▲ 0.50% · 4.625%
HK$49,087
+HK$2,458/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,258/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,128
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,718
−HK$1,616/mo
Today · 4.125%
HK$54,334
baseline
▲ 0.50% · 4.625%
HK$57,640
+HK$3,306/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,668/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,879
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,405
−HK$1,547/mo
Today · 4.125%
HK$59,952
baseline
▲ 0.50% · 4.625%
HK$63,112
+HK$3,160/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,904/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,125 · Scale 2, in force from 26 Feb 2026)