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$28,379
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,261
−HK$897/mo
Today · 4.125%
HK$30,158
baseline
▲ 0.50% · 4.625%
HK$31,993
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,316/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,571
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,418
−HK$859/mo
Today · 4.125%
HK$33,277
baseline
▲ 0.50% · 4.625%
HK$35,031
+HK$1,754/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,554/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,054
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,114
−HK$1,076/mo
Today · 4.125%
HK$36,190
baseline
▲ 0.50% · 4.625%
HK$38,392
+HK$2,202/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,380/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,885
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,901
−HK$1,031/mo
Today · 4.125%
HK$39,932
baseline
▲ 0.50% · 4.625%
HK$42,037
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,864/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,730
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,966
−HK$1,255/mo
Today · 4.125%
HK$42,221
baseline
▲ 0.50% · 4.625%
HK$44,791
+HK$2,570/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,442/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,199
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,385
−HK$1,202/mo
Today · 4.125%
HK$46,587
baseline
▲ 0.50% · 4.625%
HK$49,043
+HK$2,456/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,174/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,081
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,670
−HK$1,615/mo
Today · 4.125%
HK$54,285
baseline
▲ 0.50% · 4.625%
HK$57,588
+HK$3,303/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,570/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,828
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,352
−HK$1,546/mo
Today · 4.125%
HK$59,898
baseline
▲ 0.50% · 4.625%
HK$63,055
+HK$3,157/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,796/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,701 · Scale 2, in force from 26 Feb 2026)