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$28,394
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,278
−HK$897/mo
Today · 4.125%
HK$30,175
baseline
▲ 0.50% · 4.625%
HK$32,011
+HK$1,836/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,350/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,588
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,436
−HK$859/mo
Today · 4.125%
HK$33,295
baseline
▲ 0.50% · 4.625%
HK$35,050
+HK$1,755/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,590/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,073
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,133
−HK$1,077/mo
Today · 4.125%
HK$36,210
baseline
▲ 0.50% · 4.625%
HK$38,413
+HK$2,203/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,420/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,906
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,923
−HK$1,031/mo
Today · 4.125%
HK$39,954
baseline
▲ 0.50% · 4.625%
HK$42,060
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,908/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,752
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,989
−HK$1,256/mo
Today · 4.125%
HK$42,245
baseline
▲ 0.50% · 4.625%
HK$44,815
+HK$2,570/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,490/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,224
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,410
−HK$1,203/mo
Today · 4.125%
HK$46,613
baseline
▲ 0.50% · 4.625%
HK$49,070
+HK$2,457/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,226/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,110
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,700
−HK$1,615/mo
Today · 4.125%
HK$54,315
baseline
▲ 0.50% · 4.625%
HK$57,620
+HK$3,305/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,630/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,859
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,384
−HK$1,547/mo
Today · 4.125%
HK$59,931
baseline
▲ 0.50% · 4.625%
HK$63,090
+HK$3,159/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,862/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,960 · Scale 2, in force from 26 Feb 2026)