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$28,354
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,236
−HK$896/mo
Today · 4.125%
HK$30,132
baseline
▲ 0.50% · 4.625%
HK$31,966
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,264/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,544
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,390
−HK$858/mo
Today · 4.125%
HK$33,248
baseline
▲ 0.50% · 4.625%
HK$35,001
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,496/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,025
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,083
−HK$1,076/mo
Today · 4.125%
HK$36,159
baseline
▲ 0.50% · 4.625%
HK$38,359
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,318/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,853
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,868
−HK$1,030/mo
Today · 4.125%
HK$39,898
baseline
▲ 0.50% · 4.625%
HK$42,001
+HK$2,103/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,796/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,696
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,931
−HK$1,254/mo
Today · 4.125%
HK$42,185
baseline
▲ 0.50% · 4.625%
HK$44,752
+HK$2,567/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,370/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,161
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,346
−HK$1,201/mo
Today · 4.125%
HK$46,547
baseline
▲ 0.50% · 4.625%
HK$49,001
+HK$2,454/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,094/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,038
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,625
−HK$1,613/mo
Today · 4.125%
HK$54,238
baseline
▲ 0.50% · 4.625%
HK$57,538
+HK$3,300/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,476/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,779
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,302
−HK$1,544/mo
Today · 4.125%
HK$59,846
baseline
▲ 0.50% · 4.625%
HK$63,001
+HK$3,155/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,692/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,301 · Scale 2, in force from 26 Feb 2026)