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$28,419
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,303
−HK$898/mo
Today · 4.125%
HK$30,201
baseline
▲ 0.50% · 4.625%
HK$32,039
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,402/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,616
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,464
−HK$860/mo
Today · 4.125%
HK$33,324
baseline
▲ 0.50% · 4.625%
HK$35,081
+HK$1,757/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,648/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,103
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,164
−HK$1,078/mo
Today · 4.125%
HK$36,242
baseline
▲ 0.50% · 4.625%
HK$38,447
+HK$2,205/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,484/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,939
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,957
−HK$1,032/mo
Today · 4.125%
HK$39,989
baseline
▲ 0.50% · 4.625%
HK$42,097
+HK$2,108/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$79,978/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,787
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,025
−HK$1,257/mo
Today · 4.125%
HK$42,282
baseline
▲ 0.50% · 4.625%
HK$44,855
+HK$2,573/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,564/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,263
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,450
−HK$1,204/mo
Today · 4.125%
HK$46,654
baseline
▲ 0.50% · 4.625%
HK$49,113
+HK$2,459/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,308/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,155
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,746
−HK$1,616/mo
Today · 4.125%
HK$54,362
baseline
▲ 0.50% · 4.625%
HK$57,670
+HK$3,308/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,724/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,909
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,435
−HK$1,549/mo
Today · 4.125%
HK$59,984
baseline
▲ 0.50% · 4.625%
HK$63,145
+HK$3,161/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$119,968/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,369 · Scale 2, in force from 26 Feb 2026)