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$28,453
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,338
−HK$899/mo
Today · 4.125%
HK$30,237
baseline
▲ 0.50% · 4.625%
HK$32,077
+HK$1,840/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,474/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,653
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,502
−HK$862/mo
Today · 4.125%
HK$33,364
baseline
▲ 0.50% · 4.625%
HK$35,122
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,728/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,143
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,205
−HK$1,079/mo
Today · 4.125%
HK$36,284
baseline
▲ 0.50% · 4.625%
HK$38,492
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$72,568/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,984
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,003
−HK$1,033/mo
Today · 4.125%
HK$40,036
baseline
▲ 0.50% · 4.625%
HK$42,147
+HK$2,111/mo
Deposit HK$4.99M · loan HK$7.49M · min. income ≈ HK$80,072/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,834
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,073
−HK$1,259/mo
Today · 4.125%
HK$42,332
baseline
▲ 0.50% · 4.625%
HK$44,908
+HK$2,576/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,664/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,315
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,503
−HK$1,206/mo
Today · 4.125%
HK$46,709
baseline
▲ 0.50% · 4.625%
HK$49,171
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,418/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,215
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,808
−HK$1,619/mo
Today · 4.125%
HK$54,427
baseline
▲ 0.50% · 4.625%
HK$57,738
+HK$3,311/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,854/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,976
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,504
−HK$1,550/mo
Today · 4.125%
HK$60,054
baseline
▲ 0.50% · 4.625%
HK$63,220
+HK$3,166/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,108/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,922 · Scale 2, in force from 26 Feb 2026)