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$28,392
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,275
−HK$898/mo
Today · 4.125%
HK$30,173
baseline
▲ 0.50% · 4.625%
HK$32,009
+HK$1,836/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,346/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,586
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,433
−HK$859/mo
Today · 4.125%
HK$33,292
baseline
▲ 0.50% · 4.625%
HK$35,047
+HK$1,755/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,584/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,071
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,130
−HK$1,077/mo
Today · 4.125%
HK$36,207
baseline
▲ 0.50% · 4.625%
HK$38,410
+HK$2,203/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,414/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,903
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,920
−HK$1,031/mo
Today · 4.125%
HK$39,951
baseline
▲ 0.50% · 4.625%
HK$42,057
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,902/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,749
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,985
−HK$1,257/mo
Today · 4.125%
HK$42,242
baseline
▲ 0.50% · 4.625%
HK$44,812
+HK$2,570/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,484/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,220
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,406
−HK$1,203/mo
Today · 4.125%
HK$46,609
baseline
▲ 0.50% · 4.625%
HK$49,066
+HK$2,457/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,218/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,106
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,696
−HK$1,615/mo
Today · 4.125%
HK$54,311
baseline
▲ 0.50% · 4.625%
HK$57,615
+HK$3,304/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,622/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,855
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,380
−HK$1,546/mo
Today · 4.125%
HK$59,926
baseline
▲ 0.50% · 4.625%
HK$63,085
+HK$3,159/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,852/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,924 · Scale 2, in force from 26 Feb 2026)