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$28,370
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,253
−HK$896/mo
Today · 4.125%
HK$30,149
baseline
▲ 0.50% · 4.625%
HK$31,984
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,298/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,562
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,408
−HK$859/mo
Today · 4.125%
HK$33,267
baseline
▲ 0.50% · 4.625%
HK$35,020
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,534/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,044
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,103
−HK$1,076/mo
Today · 4.125%
HK$36,179
baseline
▲ 0.50% · 4.625%
HK$38,381
+HK$2,202/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,358/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,874
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,890
−HK$1,030/mo
Today · 4.125%
HK$39,920
baseline
▲ 0.50% · 4.625%
HK$42,025
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,840/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,719
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,954
−HK$1,255/mo
Today · 4.125%
HK$42,209
baseline
▲ 0.50% · 4.625%
HK$44,778
+HK$2,569/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,418/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,186
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,371
−HK$1,203/mo
Today · 4.125%
HK$46,574
baseline
▲ 0.50% · 4.625%
HK$49,029
+HK$2,455/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,148/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,067
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,655
−HK$1,614/mo
Today · 4.125%
HK$54,269
baseline
▲ 0.50% · 4.625%
HK$57,571
+HK$3,302/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,538/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,811
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,335
−HK$1,545/mo
Today · 4.125%
HK$59,880
baseline
▲ 0.50% · 4.625%
HK$63,037
+HK$3,157/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,760/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,566 · Scale 2, in force from 26 Feb 2026)