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$28,342
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,224
−HK$896/mo
Today · 4.125%
HK$30,120
baseline
▲ 0.50% · 4.625%
HK$31,952
+HK$1,832/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,240/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,530
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,376
−HK$858/mo
Today · 4.125%
HK$33,234
baseline
▲ 0.50% · 4.625%
HK$34,986
+HK$1,752/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,468/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,011
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,069
−HK$1,074/mo
Today · 4.125%
HK$36,143
baseline
▲ 0.50% · 4.625%
HK$38,343
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,286/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,837
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,851
−HK$1,030/mo
Today · 4.125%
HK$39,881
baseline
▲ 0.50% · 4.625%
HK$41,983
+HK$2,102/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,762/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,679
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,913
−HK$1,254/mo
Today · 4.125%
HK$42,167
baseline
▲ 0.50% · 4.625%
HK$44,733
+HK$2,566/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,334/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$466,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,143
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,326
−HK$1,201/mo
Today · 4.125%
HK$46,527
baseline
▲ 0.50% · 4.625%
HK$48,980
+HK$2,453/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,054/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$466,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,016
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,603
−HK$1,612/mo
Today · 4.125%
HK$54,215
baseline
▲ 0.50% · 4.625%
HK$57,514
+HK$3,299/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,430/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,755
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,277
−HK$1,544/mo
Today · 4.125%
HK$59,821
baseline
▲ 0.50% · 4.625%
HK$62,974
+HK$3,153/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,642/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,103 · Scale 2, in force from 26 Feb 2026)