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$28,353
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,235
−HK$896/mo
Today · 4.125%
HK$30,131
baseline
▲ 0.50% · 4.625%
HK$31,965
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,262/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,543
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,389
−HK$858/mo
Today · 4.125%
HK$33,247
baseline
▲ 0.50% · 4.625%
HK$35,000
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,494/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,024
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,082
−HK$1,076/mo
Today · 4.125%
HK$36,158
baseline
▲ 0.50% · 4.625%
HK$38,358
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,316/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,851
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,867
−HK$1,029/mo
Today · 4.125%
HK$39,896
baseline
▲ 0.50% · 4.625%
HK$41,999
+HK$2,103/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,792/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,695
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,930
−HK$1,254/mo
Today · 4.125%
HK$42,184
baseline
▲ 0.50% · 4.625%
HK$44,751
+HK$2,567/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,368/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,160
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,344
−HK$1,202/mo
Today · 4.125%
HK$46,546
baseline
▲ 0.50% · 4.625%
HK$48,999
+HK$2,453/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,092/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,036
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,624
−HK$1,613/mo
Today · 4.125%
HK$54,237
baseline
▲ 0.50% · 4.625%
HK$57,537
+HK$3,300/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,474/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,777
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,300
−HK$1,545/mo
Today · 4.125%
HK$59,845
baseline
▲ 0.50% · 4.625%
HK$62,999
+HK$3,154/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,690/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,287 · Scale 2, in force from 26 Feb 2026)