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$28,395
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,279
−HK$897/mo
Today · 4.125%
HK$30,176
baseline
▲ 0.50% · 4.625%
HK$32,012
+HK$1,836/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,352/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,590
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,437
−HK$859/mo
Today · 4.125%
HK$33,296
baseline
▲ 0.50% · 4.625%
HK$35,051
+HK$1,755/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,592/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,075
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,134
−HK$1,077/mo
Today · 4.125%
HK$36,211
baseline
▲ 0.50% · 4.625%
HK$38,415
+HK$2,204/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,422/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,908
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,924
−HK$1,032/mo
Today · 4.125%
HK$39,956
baseline
▲ 0.50% · 4.625%
HK$42,062
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,912/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,754
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,990
−HK$1,257/mo
Today · 4.125%
HK$42,247
baseline
▲ 0.50% · 4.625%
HK$44,817
+HK$2,570/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,494/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,226
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,412
−HK$1,203/mo
Today · 4.125%
HK$46,615
baseline
▲ 0.50% · 4.625%
HK$49,072
+HK$2,457/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,230/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,112
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,702
−HK$1,615/mo
Today · 4.125%
HK$54,317
baseline
▲ 0.50% · 4.625%
HK$57,622
+HK$3,305/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,634/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,861
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,386
−HK$1,547/mo
Today · 4.125%
HK$59,933
baseline
▲ 0.50% · 4.625%
HK$63,093
+HK$3,160/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,866/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,979 · Scale 2, in force from 26 Feb 2026)