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$28,455
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,340
−HK$900/mo
Today · 4.125%
HK$30,240
baseline
▲ 0.50% · 4.625%
HK$32,080
+HK$1,840/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,480/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,656
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,505
−HK$861/mo
Today · 4.125%
HK$33,366
baseline
▲ 0.50% · 4.625%
HK$35,125
+HK$1,759/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,732/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,146
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,208
−HK$1,080/mo
Today · 4.125%
HK$36,288
baseline
▲ 0.50% · 4.625%
HK$38,496
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,576/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,987
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,006
−HK$1,034/mo
Today · 4.125%
HK$40,040
baseline
▲ 0.50% · 4.625%
HK$42,150
+HK$2,110/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,080/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,837
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,076
−HK$1,259/mo
Today · 4.125%
HK$42,335
baseline
▲ 0.50% · 4.625%
HK$44,911
+HK$2,576/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$84,670/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,319
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,507
−HK$1,206/mo
Today · 4.125%
HK$46,713
baseline
▲ 0.50% · 4.625%
HK$49,175
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.74M · min. income ≈ HK$93,426/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,219
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,813
−HK$1,618/mo
Today · 4.125%
HK$54,431
baseline
▲ 0.50% · 4.625%
HK$57,743
+HK$3,312/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,862/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,981
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,509
−HK$1,551/mo
Today · 4.125%
HK$60,060
baseline
▲ 0.50% · 4.625%
HK$63,225
+HK$3,165/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,120/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,961 · Scale 2, in force from 26 Feb 2026)