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$28,457
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,343
−HK$899/mo
Today · 4.125%
HK$30,242
baseline
▲ 0.50% · 4.625%
HK$32,082
+HK$1,840/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,484/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,659
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,508
−HK$861/mo
Today · 4.125%
HK$33,369
baseline
▲ 0.50% · 4.625%
HK$35,128
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,738/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,149
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,211
−HK$1,079/mo
Today · 4.125%
HK$36,290
baseline
▲ 0.50% · 4.625%
HK$38,499
+HK$2,209/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,580/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,990
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,009
−HK$1,034/mo
Today · 4.125%
HK$40,043
baseline
▲ 0.50% · 4.625%
HK$42,154
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,086/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,840
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,080
−HK$1,259/mo
Today · 4.125%
HK$42,339
baseline
▲ 0.50% · 4.625%
HK$44,915
+HK$2,576/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$84,678/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,322
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,511
−HK$1,206/mo
Today · 4.125%
HK$46,717
baseline
▲ 0.50% · 4.625%
HK$49,179
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$93,434/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,223
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,817
−HK$1,619/mo
Today · 4.125%
HK$54,436
baseline
▲ 0.50% · 4.625%
HK$57,748
+HK$3,312/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,872/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,986
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,514
−HK$1,550/mo
Today · 4.125%
HK$60,064
baseline
▲ 0.50% · 4.625%
HK$63,230
+HK$3,166/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,128/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,998 · Scale 2, in force from 26 Feb 2026)