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$28,348
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,230
−HK$896/mo
Today · 4.125%
HK$30,126
baseline
▲ 0.50% · 4.625%
HK$31,959
+HK$1,833/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,252/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,537
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,383
−HK$858/mo
Today · 4.125%
HK$33,241
baseline
▲ 0.50% · 4.625%
HK$34,993
+HK$1,752/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,482/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,018
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,076
−HK$1,075/mo
Today · 4.125%
HK$36,151
baseline
▲ 0.50% · 4.625%
HK$38,351
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,302/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,845
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,860
−HK$1,029/mo
Today · 4.125%
HK$39,889
baseline
▲ 0.50% · 4.625%
HK$41,992
+HK$2,103/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,778/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,688
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,922
−HK$1,254/mo
Today · 4.125%
HK$42,176
baseline
▲ 0.50% · 4.625%
HK$44,743
+HK$2,567/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,352/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,152
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,336
−HK$1,201/mo
Today · 4.125%
HK$46,537
baseline
▲ 0.50% · 4.625%
HK$48,990
+HK$2,453/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,074/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,027
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,614
−HK$1,613/mo
Today · 4.125%
HK$54,227
baseline
▲ 0.50% · 4.625%
HK$57,526
+HK$3,299/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,454/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,767
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,289
−HK$1,545/mo
Today · 4.125%
HK$59,834
baseline
▲ 0.50% · 4.625%
HK$62,988
+HK$3,154/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,668/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,203 · Scale 2, in force from 26 Feb 2026)