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$28,383
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,266
−HK$897/mo
Today · 4.125%
HK$30,163
baseline
▲ 0.50% · 4.625%
HK$31,998
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,326/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,576
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,423
−HK$859/mo
Today · 4.125%
HK$33,282
baseline
▲ 0.50% · 4.625%
HK$35,036
+HK$1,754/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,564/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,060
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,119
−HK$1,077/mo
Today · 4.125%
HK$36,196
baseline
▲ 0.50% · 4.625%
HK$38,398
+HK$2,202/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,392/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,891
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,907
−HK$1,031/mo
Today · 4.125%
HK$39,938
baseline
▲ 0.50% · 4.625%
HK$42,044
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,876/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,737
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,973
−HK$1,255/mo
Today · 4.125%
HK$42,228
baseline
▲ 0.50% · 4.625%
HK$44,798
+HK$2,570/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,456/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,206
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,392
−HK$1,203/mo
Today · 4.125%
HK$46,595
baseline
▲ 0.50% · 4.625%
HK$49,051
+HK$2,456/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,190/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,090
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,679
−HK$1,615/mo
Today · 4.125%
HK$54,294
baseline
▲ 0.50% · 4.625%
HK$57,597
+HK$3,303/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,588/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,837
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,361
−HK$1,547/mo
Today · 4.125%
HK$59,908
baseline
▲ 0.50% · 4.625%
HK$63,065
+HK$3,157/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,816/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,777 · Scale 2, in force from 26 Feb 2026)