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$28,400
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,283
−HK$898/mo
Today · 4.125%
HK$30,181
baseline
▲ 0.50% · 4.625%
HK$32,017
+HK$1,836/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,362/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$467,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,594
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,442
−HK$859/mo
Today · 4.125%
HK$33,301
baseline
▲ 0.50% · 4.625%
HK$35,057
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,602/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$467,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,080
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,140
−HK$1,077/mo
Today · 4.125%
HK$36,217
baseline
▲ 0.50% · 4.625%
HK$38,421
+HK$2,204/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,434/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,913
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,930
−HK$1,032/mo
Today · 4.125%
HK$39,962
baseline
▲ 0.50% · 4.625%
HK$42,068
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,924/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,760
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,996
−HK$1,257/mo
Today · 4.125%
HK$42,253
baseline
▲ 0.50% · 4.625%
HK$44,824
+HK$2,571/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,506/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,232
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,419
−HK$1,203/mo
Today · 4.125%
HK$46,622
baseline
▲ 0.50% · 4.625%
HK$49,079
+HK$2,457/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,244/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,120
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,710
−HK$1,615/mo
Today · 4.125%
HK$54,325
baseline
▲ 0.50% · 4.625%
HK$57,631
+HK$3,306/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,650/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,870
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,395
−HK$1,548/mo
Today · 4.125%
HK$59,943
baseline
▲ 0.50% · 4.625%
HK$63,102
+HK$3,159/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,886/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,049 · Scale 2, in force from 26 Feb 2026)