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$28,410
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,294
−HK$898/mo
Today · 4.125%
HK$30,192
baseline
▲ 0.50% · 4.625%
HK$32,029
+HK$1,837/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,384/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,606
−HK$1,707/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$467,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,092
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,152
−HK$1,078/mo
Today · 4.125%
HK$36,230
baseline
▲ 0.50% · 4.625%
HK$38,434
+HK$2,204/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$72,460/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,927
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,944
−HK$1,032/mo
Today · 4.125%
HK$39,976
baseline
▲ 0.50% · 4.625%
HK$42,083
+HK$2,107/mo
Deposit HK$4.98M · loan HK$7.48M · min. income ≈ HK$79,952/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,774
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,011
−HK$1,257/mo
Today · 4.125%
HK$42,268
baseline
▲ 0.50% · 4.625%
HK$44,840
+HK$2,572/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,536/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,248
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,435
−HK$1,204/mo
Today · 4.125%
HK$46,639
baseline
▲ 0.50% · 4.625%
HK$49,097
+HK$2,458/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,278/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,138
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,729
−HK$1,616/mo
Today · 4.125%
HK$54,345
baseline
▲ 0.50% · 4.625%
HK$57,652
+HK$3,307/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,690/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,891
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,416
−HK$1,548/mo
Today · 4.125%
HK$59,964
baseline
▲ 0.50% · 4.625%
HK$63,125
+HK$3,161/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,928/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,218 · Scale 2, in force from 26 Feb 2026)