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$28,456
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,341
−HK$900/mo
Today · 4.125%
HK$30,241
baseline
▲ 0.50% · 4.625%
HK$32,081
+HK$1,840/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,482/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,657
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,506
−HK$862/mo
Today · 4.125%
HK$33,368
baseline
▲ 0.50% · 4.625%
HK$35,127
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,736/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,148
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,210
−HK$1,079/mo
Today · 4.125%
HK$36,289
baseline
▲ 0.50% · 4.625%
HK$38,497
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,578/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,989
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,008
−HK$1,033/mo
Today · 4.125%
HK$40,041
baseline
▲ 0.50% · 4.625%
HK$42,152
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,082/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,839
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,078
−HK$1,259/mo
Today · 4.125%
HK$42,337
baseline
▲ 0.50% · 4.625%
HK$44,913
+HK$2,576/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$84,674/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,320
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,509
−HK$1,206/mo
Today · 4.125%
HK$46,715
baseline
▲ 0.50% · 4.625%
HK$49,177
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$93,430/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,221
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,815
−HK$1,618/mo
Today · 4.125%
HK$54,433
baseline
▲ 0.50% · 4.625%
HK$57,745
+HK$3,312/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,866/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,983
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,511
−HK$1,551/mo
Today · 4.125%
HK$60,062
baseline
▲ 0.50% · 4.625%
HK$63,228
+HK$3,166/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,124/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,979 · Scale 2, in force from 26 Feb 2026)