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$28,375
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,257
−HK$897/mo
Today · 4.125%
HK$30,154
baseline
▲ 0.50% · 4.625%
HK$31,989
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,308/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,567
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,413
−HK$859/mo
Today · 4.125%
HK$33,272
baseline
▲ 0.50% · 4.625%
HK$35,026
+HK$1,754/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,544/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,050
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,109
−HK$1,076/mo
Today · 4.125%
HK$36,185
baseline
▲ 0.50% · 4.625%
HK$38,387
+HK$2,202/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,370/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,880
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,896
−HK$1,031/mo
Today · 4.125%
HK$39,927
baseline
▲ 0.50% · 4.625%
HK$42,031
+HK$2,104/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,854/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,725
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,960
−HK$1,256/mo
Today · 4.125%
HK$42,216
baseline
▲ 0.50% · 4.625%
HK$44,785
+HK$2,569/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,432/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,193
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,379
−HK$1,202/mo
Today · 4.125%
HK$46,581
baseline
▲ 0.50% · 4.625%
HK$49,036
+HK$2,455/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,162/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,075
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,663
−HK$1,615/mo
Today · 4.125%
HK$54,278
baseline
▲ 0.50% · 4.625%
HK$57,580
+HK$3,302/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,556/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,820
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,344
−HK$1,546/mo
Today · 4.125%
HK$59,890
baseline
▲ 0.50% · 4.625%
HK$63,047
+HK$3,157/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,780/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,640 · Scale 2, in force from 26 Feb 2026)