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$28,425
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,309
−HK$899/mo
Today · 4.125%
HK$30,208
baseline
▲ 0.50% · 4.625%
HK$32,046
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,416/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,623
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,471
−HK$860/mo
Today · 4.125%
HK$33,331
baseline
▲ 0.50% · 4.625%
HK$35,088
+HK$1,757/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,662/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,110
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,171
−HK$1,078/mo
Today · 4.125%
HK$36,249
baseline
▲ 0.50% · 4.625%
HK$38,455
+HK$2,206/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,498/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,947
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,965
−HK$1,033/mo
Today · 4.125%
HK$39,998
baseline
▲ 0.50% · 4.625%
HK$42,106
+HK$2,108/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$79,996/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,795
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,033
−HK$1,258/mo
Today · 4.125%
HK$42,291
baseline
▲ 0.50% · 4.625%
HK$44,864
+HK$2,573/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,582/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,272
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,459
−HK$1,205/mo
Today · 4.125%
HK$46,664
baseline
▲ 0.50% · 4.625%
HK$49,124
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,328/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,165
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,757
−HK$1,617/mo
Today · 4.125%
HK$54,374
baseline
▲ 0.50% · 4.625%
HK$57,683
+HK$3,309/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,748/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,921
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,448
−HK$1,548/mo
Today · 4.125%
HK$59,996
baseline
▲ 0.50% · 4.625%
HK$63,159
+HK$3,163/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$119,992/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,469 · Scale 2, in force from 26 Feb 2026)