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$28,365
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,247
−HK$896/mo
Today · 4.125%
HK$30,143
baseline
▲ 0.50% · 4.625%
HK$31,977
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,286/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,555
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,402
−HK$858/mo
Today · 4.125%
HK$33,260
baseline
▲ 0.50% · 4.625%
HK$35,013
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,520/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,038
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,096
−HK$1,076/mo
Today · 4.125%
HK$36,172
baseline
▲ 0.50% · 4.625%
HK$38,373
+HK$2,201/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$72,344/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,866
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,882
−HK$1,030/mo
Today · 4.125%
HK$39,912
baseline
▲ 0.50% · 4.625%
HK$42,016
+HK$2,104/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$79,824/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,710
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,946
−HK$1,255/mo
Today · 4.125%
HK$42,201
baseline
▲ 0.50% · 4.625%
HK$44,768
+HK$2,567/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,402/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,178
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,362
−HK$1,202/mo
Today · 4.125%
HK$46,564
baseline
▲ 0.50% · 4.625%
HK$49,019
+HK$2,455/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,128/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,056
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,644
−HK$1,614/mo
Today · 4.125%
HK$54,258
baseline
▲ 0.50% · 4.625%
HK$57,559
+HK$3,301/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,516/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,800
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,323
−HK$1,545/mo
Today · 4.125%
HK$59,868
baseline
▲ 0.50% · 4.625%
HK$63,024
+HK$3,156/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,736/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,472 · Scale 2, in force from 26 Feb 2026)