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$28,428
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,313
−HK$898/mo
Today · 4.125%
HK$30,211
baseline
▲ 0.50% · 4.625%
HK$32,049
+HK$1,838/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,422/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,626
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,474
−HK$861/mo
Today · 4.125%
HK$33,335
baseline
▲ 0.50% · 4.625%
HK$35,092
+HK$1,757/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,670/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$467,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,114
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,175
−HK$1,078/mo
Today · 4.125%
HK$36,253
baseline
▲ 0.50% · 4.625%
HK$38,459
+HK$2,206/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,506/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,951
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,969
−HK$1,033/mo
Today · 4.125%
HK$40,002
baseline
▲ 0.50% · 4.625%
HK$42,110
+HK$2,108/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,004/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,800
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,038
−HK$1,257/mo
Today · 4.125%
HK$42,295
baseline
▲ 0.50% · 4.625%
HK$44,869
+HK$2,574/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,590/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,277
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,464
−HK$1,205/mo
Today · 4.125%
HK$46,669
baseline
▲ 0.50% · 4.625%
HK$49,129
+HK$2,460/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,338/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,171
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,763
−HK$1,617/mo
Today · 4.125%
HK$54,380
baseline
▲ 0.50% · 4.625%
HK$57,689
+HK$3,309/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$108,760/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,927
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,454
−HK$1,549/mo
Today · 4.125%
HK$60,003
baseline
▲ 0.50% · 4.625%
HK$63,166
+HK$3,163/mo
Deposit HK$1.25M · loan HK$11.22M · min. income ≈ HK$120,006/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,519 · Scale 2, in force from 26 Feb 2026)