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$28,431
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,316
−HK$898/mo
Today · 4.125%
HK$30,214
baseline
▲ 0.50% · 4.625%
HK$32,053
+HK$1,839/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,428/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,478
−HK$860/mo
Today · 4.125%
HK$33,338
baseline
▲ 0.50% · 4.625%
HK$35,096
+HK$1,758/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,676/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,117
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,179
−HK$1,078/mo
Today · 4.125%
HK$36,257
baseline
▲ 0.50% · 4.625%
HK$38,463
+HK$2,206/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,514/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,955
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,973
−HK$1,033/mo
Today · 4.125%
HK$40,006
baseline
▲ 0.50% · 4.625%
HK$42,115
+HK$2,109/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,012/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,804
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,042
−HK$1,258/mo
Today · 4.125%
HK$42,300
baseline
▲ 0.50% · 4.625%
HK$44,874
+HK$2,574/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,600/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,281
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,469
−HK$1,205/mo
Today · 4.125%
HK$46,674
baseline
▲ 0.50% · 4.625%
HK$49,134
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,348/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,176
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,768
−HK$1,617/mo
Today · 4.125%
HK$54,385
baseline
▲ 0.50% · 4.625%
HK$57,695
+HK$3,310/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,770/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,933
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,460
−HK$1,549/mo
Today · 4.125%
HK$60,009
baseline
▲ 0.50% · 4.625%
HK$63,172
+HK$3,163/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$120,018/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,567 · Scale 2, in force from 26 Feb 2026)