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$28,430
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,315
−HK$898/mo
Today · 4.125%
HK$30,213
baseline
▲ 0.50% · 4.625%
HK$32,052
+HK$1,839/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,426/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,477
−HK$860/mo
Today · 4.125%
HK$33,337
baseline
▲ 0.50% · 4.625%
HK$35,095
+HK$1,758/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,674/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,117
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,178
−HK$1,078/mo
Today · 4.125%
HK$36,256
baseline
▲ 0.50% · 4.625%
HK$38,462
+HK$2,206/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,512/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,954
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,972
−HK$1,033/mo
Today · 4.125%
HK$40,005
baseline
▲ 0.50% · 4.625%
HK$42,114
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,010/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,803
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,041
−HK$1,258/mo
Today · 4.125%
HK$42,299
baseline
▲ 0.50% · 4.625%
HK$44,872
+HK$2,573/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,598/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,280
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,468
−HK$1,204/mo
Today · 4.125%
HK$46,672
baseline
▲ 0.50% · 4.625%
HK$49,132
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,344/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,175
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,767
−HK$1,617/mo
Today · 4.125%
HK$54,384
baseline
▲ 0.50% · 4.625%
HK$57,693
+HK$3,309/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,768/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,931
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,458
−HK$1,549/mo
Today · 4.125%
HK$60,007
baseline
▲ 0.50% · 4.625%
HK$63,170
+HK$3,163/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$120,014/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,553 · Scale 2, in force from 26 Feb 2026)