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$28,450
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,335
−HK$899/mo
Today · 4.125%
HK$30,234
baseline
▲ 0.50% · 4.625%
HK$32,074
+HK$1,840/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,468/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,651
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,500
−HK$861/mo
Today · 4.125%
HK$33,361
baseline
▲ 0.50% · 4.625%
HK$35,119
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,722/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,140
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,202
−HK$1,079/mo
Today · 4.125%
HK$36,281
baseline
▲ 0.50% · 4.625%
HK$38,489
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,562/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,981
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,000
−HK$1,033/mo
Today · 4.125%
HK$40,033
baseline
▲ 0.50% · 4.625%
HK$42,143
+HK$2,110/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,066/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,831
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,069
−HK$1,259/mo
Today · 4.125%
HK$42,328
baseline
▲ 0.50% · 4.625%
HK$44,904
+HK$2,576/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,656/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,311
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,499
−HK$1,206/mo
Today · 4.125%
HK$46,705
baseline
▲ 0.50% · 4.625%
HK$49,167
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,410/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,211
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,804
−HK$1,618/mo
Today · 4.125%
HK$54,422
baseline
▲ 0.50% · 4.625%
HK$57,734
+HK$3,312/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,844/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,971
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,499
−HK$1,550/mo
Today · 4.125%
HK$60,049
baseline
▲ 0.50% · 4.625%
HK$63,215
+HK$3,166/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,098/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,882 · Scale 2, in force from 26 Feb 2026)