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$28,414
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,297
−HK$898/mo
Today · 4.125%
HK$30,195
baseline
▲ 0.50% · 4.625%
HK$32,033
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,390/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,610
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,457
−HK$861/mo
Today · 4.125%
HK$33,318
baseline
▲ 0.50% · 4.625%
HK$35,074
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,636/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,096
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,157
−HK$1,077/mo
Today · 4.125%
HK$36,234
baseline
▲ 0.50% · 4.625%
HK$38,439
+HK$2,205/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$72,468/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,932
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,949
−HK$1,032/mo
Today · 4.125%
HK$39,981
baseline
▲ 0.50% · 4.625%
HK$42,088
+HK$2,107/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$79,962/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,779
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,016
−HK$1,257/mo
Today · 4.125%
HK$42,273
baseline
▲ 0.50% · 4.625%
HK$44,846
+HK$2,573/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,546/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,254
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,440
−HK$1,205/mo
Today · 4.125%
HK$46,645
baseline
▲ 0.50% · 4.625%
HK$49,103
+HK$2,458/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,290/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,144
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,735
−HK$1,617/mo
Today · 4.125%
HK$54,352
baseline
▲ 0.50% · 4.625%
HK$57,659
+HK$3,307/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,704/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,898
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,423
−HK$1,549/mo
Today · 4.125%
HK$59,972
baseline
▲ 0.50% · 4.625%
HK$63,133
+HK$3,161/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,944/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,275 · Scale 2, in force from 26 Feb 2026)