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$28,372
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,254
−HK$897/mo
Today · 4.125%
HK$30,151
baseline
▲ 0.50% · 4.625%
HK$31,985
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,302/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,563
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,410
−HK$858/mo
Today · 4.125%
HK$33,268
baseline
▲ 0.50% · 4.625%
HK$35,022
+HK$1,754/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,536/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,046
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,105
−HK$1,076/mo
Today · 4.125%
HK$36,181
baseline
▲ 0.50% · 4.625%
HK$38,382
+HK$2,201/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,362/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,876
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,892
−HK$1,030/mo
Today · 4.125%
HK$39,922
baseline
▲ 0.50% · 4.625%
HK$42,026
+HK$2,104/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,844/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,720
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,956
−HK$1,255/mo
Today · 4.125%
HK$42,211
baseline
▲ 0.50% · 4.625%
HK$44,779
+HK$2,568/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,422/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,188
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,373
−HK$1,203/mo
Today · 4.125%
HK$46,576
baseline
▲ 0.50% · 4.625%
HK$49,031
+HK$2,455/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,152/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,069
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,657
−HK$1,614/mo
Today · 4.125%
HK$54,271
baseline
▲ 0.50% · 4.625%
HK$57,574
+HK$3,303/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,542/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,814
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,337
−HK$1,546/mo
Today · 4.125%
HK$59,883
baseline
▲ 0.50% · 4.625%
HK$63,040
+HK$3,157/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,766/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,586 · Scale 2, in force from 26 Feb 2026)