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$28,409
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,293
−HK$898/mo
Today · 4.125%
HK$30,191
baseline
▲ 0.50% · 4.625%
HK$32,028
+HK$1,837/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,382/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,605
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,453
−HK$860/mo
Today · 4.125%
HK$33,313
baseline
▲ 0.50% · 4.625%
HK$35,069
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,626/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,091
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,152
−HK$1,077/mo
Today · 4.125%
HK$36,229
baseline
▲ 0.50% · 4.625%
HK$38,434
+HK$2,205/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$72,458/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,926
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,943
−HK$1,032/mo
Today · 4.125%
HK$39,975
baseline
▲ 0.50% · 4.625%
HK$42,082
+HK$2,107/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$79,950/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,773
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,010
−HK$1,257/mo
Today · 4.125%
HK$42,267
baseline
▲ 0.50% · 4.625%
HK$44,839
+HK$2,572/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,534/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,247
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,434
−HK$1,204/mo
Today · 4.125%
HK$46,638
baseline
▲ 0.50% · 4.625%
HK$49,096
+HK$2,458/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,276/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,137
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,728
−HK$1,616/mo
Today · 4.125%
HK$54,344
baseline
▲ 0.50% · 4.625%
HK$57,650
+HK$3,306/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,688/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,889
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,415
−HK$1,548/mo
Today · 4.125%
HK$59,963
baseline
▲ 0.50% · 4.625%
HK$63,124
+HK$3,161/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,926/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,209 · Scale 2, in force from 26 Feb 2026)