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$28,389
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,272
−HK$897/mo
Today · 4.125%
HK$30,169
baseline
▲ 0.50% · 4.625%
HK$32,004
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,338/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,582
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,429
−HK$859/mo
Today · 4.125%
HK$33,288
baseline
▲ 0.50% · 4.625%
HK$35,043
+HK$1,755/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,576/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,066
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,126
−HK$1,077/mo
Today · 4.125%
HK$36,203
baseline
▲ 0.50% · 4.625%
HK$38,405
+HK$2,202/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,406/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,898
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,915
−HK$1,031/mo
Today · 4.125%
HK$39,946
baseline
▲ 0.50% · 4.625%
HK$42,052
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,892/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,744
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,980
−HK$1,256/mo
Today · 4.125%
HK$42,236
baseline
▲ 0.50% · 4.625%
HK$44,806
+HK$2,570/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,472/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,215
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,401
−HK$1,203/mo
Today · 4.125%
HK$46,604
baseline
▲ 0.50% · 4.625%
HK$49,060
+HK$2,456/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,208/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,099
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,689
−HK$1,615/mo
Today · 4.125%
HK$54,304
baseline
▲ 0.50% · 4.625%
HK$57,608
+HK$3,304/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,608/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,848
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,372
−HK$1,547/mo
Today · 4.125%
HK$59,919
baseline
▲ 0.50% · 4.625%
HK$63,077
+HK$3,158/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,838/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,865 · Scale 2, in force from 26 Feb 2026)