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$28,380
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,263
−HK$897/mo
Today · 4.125%
HK$30,160
baseline
▲ 0.50% · 4.625%
HK$31,995
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,320/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,573
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,419
−HK$859/mo
Today · 4.125%
HK$33,278
baseline
▲ 0.50% · 4.625%
HK$35,033
+HK$1,755/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,556/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,056
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,115
−HK$1,077/mo
Today · 4.125%
HK$36,192
baseline
▲ 0.50% · 4.625%
HK$38,394
+HK$2,202/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,384/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,887
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,903
−HK$1,031/mo
Today · 4.125%
HK$39,934
baseline
▲ 0.50% · 4.625%
HK$42,039
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,868/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,732
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,968
−HK$1,256/mo
Today · 4.125%
HK$42,224
baseline
▲ 0.50% · 4.625%
HK$44,793
+HK$2,569/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,448/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,202
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,387
−HK$1,203/mo
Today · 4.125%
HK$46,590
baseline
▲ 0.50% · 4.625%
HK$49,046
+HK$2,456/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,180/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,084
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,673
−HK$1,615/mo
Today · 4.125%
HK$54,288
baseline
▲ 0.50% · 4.625%
HK$57,591
+HK$3,303/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,576/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,831
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,355
−HK$1,546/mo
Today · 4.125%
HK$59,901
baseline
▲ 0.50% · 4.625%
HK$63,059
+HK$3,158/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,802/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,726 · Scale 2, in force from 26 Feb 2026)