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$28,362
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,245
−HK$896/mo
Today · 4.125%
HK$30,141
baseline
▲ 0.50% · 4.625%
HK$31,975
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,282/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,553
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,399
−HK$858/mo
Today · 4.125%
HK$33,257
baseline
▲ 0.50% · 4.625%
HK$35,011
+HK$1,754/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,514/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,035
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,093
−HK$1,076/mo
Today · 4.125%
HK$36,169
baseline
▲ 0.50% · 4.625%
HK$38,370
+HK$2,201/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$72,338/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,863
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,879
−HK$1,030/mo
Today · 4.125%
HK$39,909
baseline
▲ 0.50% · 4.625%
HK$42,013
+HK$2,104/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$79,818/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,707
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,942
−HK$1,255/mo
Today · 4.125%
HK$42,197
baseline
▲ 0.50% · 4.625%
HK$44,765
+HK$2,568/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,394/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,174
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,359
−HK$1,201/mo
Today · 4.125%
HK$46,560
baseline
▲ 0.50% · 4.625%
HK$49,015
+HK$2,455/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,120/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,052
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,640
−HK$1,614/mo
Today · 4.125%
HK$54,254
baseline
▲ 0.50% · 4.625%
HK$57,555
+HK$3,301/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,508/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,795
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,318
−HK$1,545/mo
Today · 4.125%
HK$59,863
baseline
▲ 0.50% · 4.625%
HK$63,019
+HK$3,156/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,726/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,433 · Scale 2, in force from 26 Feb 2026)