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$28,435
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$898/mo
Today · 4.125%
HK$30,218
baseline
▲ 0.50% · 4.625%
HK$32,057
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,436/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,634
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,482
−HK$861/mo
Today · 4.125%
HK$33,343
baseline
▲ 0.50% · 4.625%
HK$35,100
+HK$1,757/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,686/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,122
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,183
−HK$1,079/mo
Today · 4.125%
HK$36,262
baseline
▲ 0.50% · 4.625%
HK$38,468
+HK$2,206/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,524/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,960
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,979
−HK$1,032/mo
Today · 4.125%
HK$40,011
baseline
▲ 0.50% · 4.625%
HK$42,120
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,022/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,809
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,047
−HK$1,258/mo
Today · 4.125%
HK$42,305
baseline
▲ 0.50% · 4.625%
HK$44,880
+HK$2,575/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,610/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,287
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,475
−HK$1,205/mo
Today · 4.125%
HK$46,680
baseline
▲ 0.50% · 4.625%
HK$49,141
+HK$2,461/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,360/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,183
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,775
−HK$1,618/mo
Today · 4.125%
HK$54,393
baseline
▲ 0.50% · 4.625%
HK$57,702
+HK$3,309/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,786/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,941
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,468
−HK$1,549/mo
Today · 4.125%
HK$60,017
baseline
▲ 0.50% · 4.625%
HK$63,181
+HK$3,164/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$120,034/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,630 · Scale 2, in force from 26 Feb 2026)