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$28,405
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,289
−HK$897/mo
Today · 4.125%
HK$30,186
baseline
▲ 0.50% · 4.625%
HK$32,023
+HK$1,837/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,372/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,601
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,448
−HK$860/mo
Today · 4.125%
HK$33,308
baseline
▲ 0.50% · 4.625%
HK$35,063
+HK$1,755/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,616/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,086
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,147
−HK$1,077/mo
Today · 4.125%
HK$36,224
baseline
▲ 0.50% · 4.625%
HK$38,428
+HK$2,204/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,448/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,921
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,938
−HK$1,031/mo
Today · 4.125%
HK$39,969
baseline
▲ 0.50% · 4.625%
HK$42,076
+HK$2,107/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,938/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,767
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,004
−HK$1,257/mo
Today · 4.125%
HK$42,261
baseline
▲ 0.50% · 4.625%
HK$44,833
+HK$2,572/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,522/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,241
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,427
−HK$1,204/mo
Today · 4.125%
HK$46,631
baseline
▲ 0.50% · 4.625%
HK$49,089
+HK$2,458/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,262/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,129
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,720
−HK$1,616/mo
Today · 4.125%
HK$54,336
baseline
▲ 0.50% · 4.625%
HK$57,642
+HK$3,306/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,672/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,881
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,406
−HK$1,548/mo
Today · 4.125%
HK$59,954
baseline
▲ 0.50% · 4.625%
HK$63,114
+HK$3,160/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,908/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,139 · Scale 2, in force from 26 Feb 2026)