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$28,345
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,226
−HK$896/mo
Today · 4.125%
HK$30,122
baseline
▲ 0.50% · 4.625%
HK$31,955
+HK$1,833/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,244/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,533
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,379
−HK$858/mo
Today · 4.125%
HK$33,237
baseline
▲ 0.50% · 4.625%
HK$34,989
+HK$1,752/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,474/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,013
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,071
−HK$1,075/mo
Today · 4.125%
HK$36,146
baseline
▲ 0.50% · 4.625%
HK$38,346
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,292/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,840
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,854
−HK$1,030/mo
Today · 4.125%
HK$39,884
baseline
▲ 0.50% · 4.625%
HK$41,986
+HK$2,102/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,768/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,682
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,917
−HK$1,254/mo
Today · 4.125%
HK$42,171
baseline
▲ 0.50% · 4.625%
HK$44,737
+HK$2,566/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,342/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,146
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,330
−HK$1,201/mo
Today · 4.125%
HK$46,531
baseline
▲ 0.50% · 4.625%
HK$48,984
+HK$2,453/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,062/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,020
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,607
−HK$1,613/mo
Today · 4.125%
HK$54,220
baseline
▲ 0.50% · 4.625%
HK$57,519
+HK$3,299/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,440/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,759
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,282
−HK$1,544/mo
Today · 4.125%
HK$59,826
baseline
▲ 0.50% · 4.625%
HK$62,979
+HK$3,153/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,652/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,141 · Scale 2, in force from 26 Feb 2026)