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$28,361
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,243
−HK$896/mo
Today · 4.125%
HK$30,139
baseline
▲ 0.50% · 4.625%
HK$31,973
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,278/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,551
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,397
−HK$859/mo
Today · 4.125%
HK$33,256
baseline
▲ 0.50% · 4.625%
HK$35,008
+HK$1,752/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,512/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,033
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,091
−HK$1,076/mo
Today · 4.125%
HK$36,167
baseline
▲ 0.50% · 4.625%
HK$38,368
+HK$2,201/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,334/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,861
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,877
−HK$1,030/mo
Today · 4.125%
HK$39,907
baseline
▲ 0.50% · 4.625%
HK$42,010
+HK$2,103/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,814/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,705
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,940
−HK$1,255/mo
Today · 4.125%
HK$42,195
baseline
▲ 0.50% · 4.625%
HK$44,762
+HK$2,567/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,390/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,171
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,356
−HK$1,202/mo
Today · 4.125%
HK$46,558
baseline
▲ 0.50% · 4.625%
HK$49,012
+HK$2,454/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,116/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,049
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,637
−HK$1,613/mo
Today · 4.125%
HK$54,250
baseline
▲ 0.50% · 4.625%
HK$57,551
+HK$3,301/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,500/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,792
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,315
−HK$1,545/mo
Today · 4.125%
HK$59,860
baseline
▲ 0.50% · 4.625%
HK$63,015
+HK$3,155/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,720/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,406 · Scale 2, in force from 26 Feb 2026)