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$28,366
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,249
−HK$896/mo
Today · 4.125%
HK$30,145
baseline
▲ 0.50% · 4.625%
HK$31,979
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,290/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,557
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,403
−HK$859/mo
Today · 4.125%
HK$33,262
baseline
▲ 0.50% · 4.625%
HK$35,015
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,524/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,039
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,098
−HK$1,076/mo
Today · 4.125%
HK$36,174
baseline
▲ 0.50% · 4.625%
HK$38,375
+HK$2,201/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$72,348/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,869
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,884
−HK$1,030/mo
Today · 4.125%
HK$39,914
baseline
▲ 0.50% · 4.625%
HK$42,018
+HK$2,104/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$79,828/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,713
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,948
−HK$1,255/mo
Today · 4.125%
HK$42,203
baseline
▲ 0.50% · 4.625%
HK$44,771
+HK$2,568/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,406/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,180
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,365
−HK$1,202/mo
Today · 4.125%
HK$46,567
baseline
▲ 0.50% · 4.625%
HK$49,021
+HK$2,454/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,134/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,059
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,647
−HK$1,614/mo
Today · 4.125%
HK$54,261
baseline
▲ 0.50% · 4.625%
HK$57,563
+HK$3,302/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,522/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,803
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,326
−HK$1,546/mo
Today · 4.125%
HK$59,872
baseline
▲ 0.50% · 4.625%
HK$63,028
+HK$3,156/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,744/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,497 · Scale 2, in force from 26 Feb 2026)