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$28,415
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,299
−HK$898/mo
Today · 4.125%
HK$30,197
baseline
▲ 0.50% · 4.625%
HK$32,034
+HK$1,837/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,394/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,611
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,459
−HK$860/mo
Today · 4.125%
HK$33,319
baseline
▲ 0.50% · 4.625%
HK$35,076
+HK$1,757/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,638/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,098
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,159
−HK$1,077/mo
Today · 4.125%
HK$36,236
baseline
▲ 0.50% · 4.625%
HK$38,441
+HK$2,205/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$72,472/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,934
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,951
−HK$1,032/mo
Today · 4.125%
HK$39,983
baseline
▲ 0.50% · 4.625%
HK$42,091
+HK$2,108/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$79,966/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,781
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,018
−HK$1,258/mo
Today · 4.125%
HK$42,276
baseline
▲ 0.50% · 4.625%
HK$44,848
+HK$2,572/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,552/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,256
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,443
−HK$1,204/mo
Today · 4.125%
HK$46,647
baseline
▲ 0.50% · 4.625%
HK$49,106
+HK$2,459/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,294/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,147
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,738
−HK$1,616/mo
Today · 4.125%
HK$54,354
baseline
▲ 0.50% · 4.625%
HK$57,662
+HK$3,308/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,708/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,901
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,427
−HK$1,548/mo
Today · 4.125%
HK$59,975
baseline
▲ 0.50% · 4.625%
HK$63,136
+HK$3,161/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$119,950/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,300 · Scale 2, in force from 26 Feb 2026)