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$28,452
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,337
−HK$900/mo
Today · 4.125%
HK$30,237
baseline
▲ 0.50% · 4.625%
HK$32,076
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,474/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,653
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,502
−HK$861/mo
Today · 4.125%
HK$33,363
baseline
▲ 0.50% · 4.625%
HK$35,122
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,726/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,143
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,205
−HK$1,079/mo
Today · 4.125%
HK$36,284
baseline
▲ 0.50% · 4.625%
HK$38,492
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,568/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,984
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,002
−HK$1,034/mo
Today · 4.125%
HK$40,036
baseline
▲ 0.50% · 4.625%
HK$42,146
+HK$2,110/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,072/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,833
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,072
−HK$1,259/mo
Today · 4.125%
HK$42,331
baseline
▲ 0.50% · 4.625%
HK$44,907
+HK$2,576/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,662/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,314
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,503
−HK$1,205/mo
Today · 4.125%
HK$46,708
baseline
▲ 0.50% · 4.625%
HK$49,170
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,416/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,214
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,807
−HK$1,619/mo
Today · 4.125%
HK$54,426
baseline
▲ 0.50% · 4.625%
HK$57,738
+HK$3,312/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,852/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,975
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,503
−HK$1,551/mo
Today · 4.125%
HK$60,054
baseline
▲ 0.50% · 4.625%
HK$63,219
+HK$3,165/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,108/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,915 · Scale 2, in force from 26 Feb 2026)