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$28,385
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,268
−HK$897/mo
Today · 4.125%
HK$30,165
baseline
▲ 0.50% · 4.625%
HK$32,001
+HK$1,836/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,330/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,578
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,425
−HK$859/mo
Today · 4.125%
HK$33,284
baseline
▲ 0.50% · 4.625%
HK$35,039
+HK$1,755/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,568/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,062
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,122
−HK$1,076/mo
Today · 4.125%
HK$36,198
baseline
▲ 0.50% · 4.625%
HK$38,401
+HK$2,203/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,396/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,894
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,910
−HK$1,031/mo
Today · 4.125%
HK$39,941
baseline
▲ 0.50% · 4.625%
HK$42,046
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,882/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,739
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,975
−HK$1,256/mo
Today · 4.125%
HK$42,231
baseline
▲ 0.50% · 4.625%
HK$44,801
+HK$2,570/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,462/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,209
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,395
−HK$1,203/mo
Today · 4.125%
HK$46,598
baseline
▲ 0.50% · 4.625%
HK$49,054
+HK$2,456/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,196/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,093
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,682
−HK$1,615/mo
Today · 4.125%
HK$54,297
baseline
▲ 0.50% · 4.625%
HK$57,601
+HK$3,304/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,594/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,841
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,365
−HK$1,546/mo
Today · 4.125%
HK$59,911
baseline
▲ 0.50% · 4.625%
HK$63,069
+HK$3,158/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,822/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,807 · Scale 2, in force from 26 Feb 2026)