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$28,349
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,231
−HK$896/mo
Today · 4.125%
HK$30,127
baseline
▲ 0.50% · 4.625%
HK$31,960
+HK$1,833/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,254/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,538
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,384
−HK$858/mo
Today · 4.125%
HK$33,242
baseline
▲ 0.50% · 4.625%
HK$34,994
+HK$1,752/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,484/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,019
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,077
−HK$1,075/mo
Today · 4.125%
HK$36,152
baseline
▲ 0.50% · 4.625%
HK$38,352
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,304/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,846
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,861
−HK$1,030/mo
Today · 4.125%
HK$39,891
baseline
▲ 0.50% · 4.625%
HK$41,993
+HK$2,102/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,782/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,689
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,924
−HK$1,254/mo
Today · 4.125%
HK$42,178
baseline
▲ 0.50% · 4.625%
HK$44,744
+HK$2,566/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,356/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,154
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,338
−HK$1,201/mo
Today · 4.125%
HK$46,539
baseline
▲ 0.50% · 4.625%
HK$48,992
+HK$2,453/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,078/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,029
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,616
−HK$1,613/mo
Today · 4.125%
HK$54,229
baseline
▲ 0.50% · 4.625%
HK$57,528
+HK$3,299/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,458/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,769
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,291
−HK$1,545/mo
Today · 4.125%
HK$59,836
baseline
▲ 0.50% · 4.625%
HK$62,990
+HK$3,154/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,672/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,219 · Scale 2, in force from 26 Feb 2026)