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$28,357
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,239
−HK$897/mo
Today · 4.125%
HK$30,136
baseline
▲ 0.50% · 4.625%
HK$31,969
+HK$1,833/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,272/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,547
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,393
−HK$859/mo
Today · 4.125%
HK$33,252
baseline
▲ 0.50% · 4.625%
HK$35,004
+HK$1,752/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,504/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,029
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,087
−HK$1,076/mo
Today · 4.125%
HK$36,163
baseline
▲ 0.50% · 4.625%
HK$38,363
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,326/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,857
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,872
−HK$1,030/mo
Today · 4.125%
HK$39,902
baseline
▲ 0.50% · 4.625%
HK$42,005
+HK$2,103/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,804/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,700
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,935
−HK$1,255/mo
Today · 4.125%
HK$42,190
baseline
▲ 0.50% · 4.625%
HK$44,757
+HK$2,567/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,380/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,166
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,351
−HK$1,201/mo
Today · 4.125%
HK$46,552
baseline
▲ 0.50% · 4.625%
HK$49,006
+HK$2,454/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,104/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,043
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,631
−HK$1,613/mo
Today · 4.125%
HK$54,244
baseline
▲ 0.50% · 4.625%
HK$57,545
+HK$3,301/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,488/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,785
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,308
−HK$1,545/mo
Today · 4.125%
HK$59,853
baseline
▲ 0.50% · 4.625%
HK$63,008
+HK$3,155/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,706/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,350 · Scale 2, in force from 26 Feb 2026)