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$28,446
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,330
−HK$899/mo
Today · 4.125%
HK$30,229
baseline
▲ 0.50% · 4.625%
HK$32,069
+HK$1,840/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,458/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,645
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,494
−HK$861/mo
Today · 4.125%
HK$33,355
baseline
▲ 0.50% · 4.625%
HK$35,113
+HK$1,758/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,710/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$467,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,135
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,197
−HK$1,078/mo
Today · 4.125%
HK$36,275
baseline
▲ 0.50% · 4.625%
HK$38,483
+HK$2,208/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$72,550/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,975
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,993
−HK$1,033/mo
Today · 4.125%
HK$40,026
baseline
▲ 0.50% · 4.625%
HK$42,136
+HK$2,110/mo
Deposit HK$4.99M · loan HK$7.48M · min. income ≈ HK$80,052/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$467,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,824
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,063
−HK$1,258/mo
Today · 4.125%
HK$42,321
baseline
▲ 0.50% · 4.625%
HK$44,896
+HK$2,575/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$84,642/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,304
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,492
−HK$1,205/mo
Today · 4.125%
HK$46,697
baseline
▲ 0.50% · 4.625%
HK$49,159
+HK$2,462/mo
Deposit HK$3.74M · loan HK$8.73M · min. income ≈ HK$93,394/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$467,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,202
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,795
−HK$1,618/mo
Today · 4.125%
HK$54,413
baseline
▲ 0.50% · 4.625%
HK$57,724
+HK$3,311/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$108,826/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,962
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,490
−HK$1,549/mo
Today · 4.125%
HK$60,039
baseline
▲ 0.50% · 4.625%
HK$63,204
+HK$3,165/mo
Deposit HK$1.25M · loan HK$11.23M · min. income ≈ HK$120,078/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$467,804 · Scale 2, in force from 26 Feb 2026)