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$28,441
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,325
−HK$899/mo
Today · 4.125%
HK$30,224
baseline
▲ 0.50% · 4.625%
HK$32,063
+HK$1,839/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,448/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,640
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,489
−HK$860/mo
Today · 4.125%
HK$33,349
baseline
▲ 0.50% · 4.625%
HK$35,107
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,698/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,129
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,190
−HK$1,079/mo
Today · 4.125%
HK$36,269
baseline
▲ 0.50% · 4.625%
HK$38,476
+HK$2,207/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,538/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,968
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,986
−HK$1,033/mo
Today · 4.125%
HK$40,019
baseline
▲ 0.50% · 4.625%
HK$42,129
+HK$2,110/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,038/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,817
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,056
−HK$1,258/mo
Today · 4.125%
HK$42,314
baseline
▲ 0.50% · 4.625%
HK$44,889
+HK$2,575/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,628/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,296
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,484
−HK$1,205/mo
Today · 4.125%
HK$46,689
baseline
▲ 0.50% · 4.625%
HK$49,150
+HK$2,461/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,378/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,193
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,786
−HK$1,618/mo
Today · 4.125%
HK$54,404
baseline
▲ 0.50% · 4.625%
HK$57,714
+HK$3,310/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,808/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,952
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,480
−HK$1,549/mo
Today · 4.125%
HK$60,029
baseline
▲ 0.50% · 4.625%
HK$63,193
+HK$3,164/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,058/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,723 · Scale 2, in force from 26 Feb 2026)