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$28,359
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,241
−HK$896/mo
Today · 4.125%
HK$30,137
baseline
▲ 0.50% · 4.625%
HK$31,971
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,274/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,549
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,395
−HK$859/mo
Today · 4.125%
HK$33,254
baseline
▲ 0.50% · 4.625%
HK$35,006
+HK$1,752/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,508/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,031
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,089
−HK$1,076/mo
Today · 4.125%
HK$36,165
baseline
▲ 0.50% · 4.625%
HK$38,365
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,330/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,859
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,874
−HK$1,030/mo
Today · 4.125%
HK$39,904
baseline
▲ 0.50% · 4.625%
HK$42,008
+HK$2,104/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,808/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,703
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,938
−HK$1,254/mo
Today · 4.125%
HK$42,192
baseline
▲ 0.50% · 4.625%
HK$44,760
+HK$2,568/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,384/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,169
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,353
−HK$1,202/mo
Today · 4.125%
HK$46,555
baseline
▲ 0.50% · 4.625%
HK$49,009
+HK$2,454/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,110/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,046
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,634
−HK$1,613/mo
Today · 4.125%
HK$54,247
baseline
▲ 0.50% · 4.625%
HK$57,548
+HK$3,301/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,494/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,788
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,311
−HK$1,545/mo
Today · 4.125%
HK$59,856
baseline
▲ 0.50% · 4.625%
HK$63,012
+HK$3,156/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,712/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,379 · Scale 2, in force from 26 Feb 2026)