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$28,388
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,271
−HK$898/mo
Today · 4.125%
HK$30,169
baseline
▲ 0.50% · 4.625%
HK$32,004
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,338/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,582
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,429
−HK$859/mo
Today · 4.125%
HK$33,288
baseline
▲ 0.50% · 4.625%
HK$35,043
+HK$1,755/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,576/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,066
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,126
−HK$1,076/mo
Today · 4.125%
HK$36,202
baseline
▲ 0.50% · 4.625%
HK$38,405
+HK$2,203/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,404/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,898
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,915
−HK$1,031/mo
Today · 4.125%
HK$39,946
baseline
▲ 0.50% · 4.625%
HK$42,051
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,892/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,744
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,980
−HK$1,256/mo
Today · 4.125%
HK$42,236
baseline
▲ 0.50% · 4.625%
HK$44,806
+HK$2,570/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,472/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,214
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,400
−HK$1,203/mo
Today · 4.125%
HK$46,603
baseline
▲ 0.50% · 4.625%
HK$49,060
+HK$2,457/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,206/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,099
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,689
−HK$1,614/mo
Today · 4.125%
HK$54,303
baseline
▲ 0.50% · 4.625%
HK$57,608
+HK$3,305/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,606/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,847
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,372
−HK$1,546/mo
Today · 4.125%
HK$59,918
baseline
▲ 0.50% · 4.625%
HK$63,077
+HK$3,159/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,836/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,862 · Scale 2, in force from 26 Feb 2026)