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$28,362
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,244
−HK$896/mo
Today · 4.125%
HK$30,140
baseline
▲ 0.50% · 4.625%
HK$31,974
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,280/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,552
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,398
−HK$859/mo
Today · 4.125%
HK$33,257
baseline
▲ 0.50% · 4.625%
HK$35,010
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,514/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,034
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,093
−HK$1,075/mo
Today · 4.125%
HK$36,168
baseline
▲ 0.50% · 4.625%
HK$38,369
+HK$2,201/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$72,336/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,862
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,878
−HK$1,030/mo
Today · 4.125%
HK$39,908
baseline
▲ 0.50% · 4.625%
HK$42,012
+HK$2,104/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$79,816/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,706
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,941
−HK$1,255/mo
Today · 4.125%
HK$42,196
baseline
▲ 0.50% · 4.625%
HK$44,764
+HK$2,568/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,392/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,173
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,357
−HK$1,202/mo
Today · 4.125%
HK$46,559
baseline
▲ 0.50% · 4.625%
HK$49,013
+HK$2,454/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,118/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,051
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,639
−HK$1,613/mo
Today · 4.125%
HK$54,252
baseline
▲ 0.50% · 4.625%
HK$57,553
+HK$3,301/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,504/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,794
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,317
−HK$1,545/mo
Today · 4.125%
HK$59,862
baseline
▲ 0.50% · 4.625%
HK$63,017
+HK$3,155/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,724/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,421 · Scale 2, in force from 26 Feb 2026)