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$28,363
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,246
−HK$896/mo
Today · 4.125%
HK$30,142
baseline
▲ 0.50% · 4.625%
HK$31,976
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,284/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,554
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,400
−HK$859/mo
Today · 4.125%
HK$33,259
baseline
▲ 0.50% · 4.625%
HK$35,012
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,518/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,036
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,095
−HK$1,075/mo
Today · 4.125%
HK$36,170
baseline
▲ 0.50% · 4.625%
HK$38,371
+HK$2,201/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$72,340/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,865
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,880
−HK$1,031/mo
Today · 4.125%
HK$39,911
baseline
▲ 0.50% · 4.625%
HK$42,014
+HK$2,103/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$79,822/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,709
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,944
−HK$1,255/mo
Today · 4.125%
HK$42,199
baseline
▲ 0.50% · 4.625%
HK$44,767
+HK$2,568/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,398/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,176
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,360
−HK$1,202/mo
Today · 4.125%
HK$46,562
baseline
▲ 0.50% · 4.625%
HK$49,017
+HK$2,455/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,124/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,054
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,642
−HK$1,614/mo
Today · 4.125%
HK$54,256
baseline
▲ 0.50% · 4.625%
HK$57,557
+HK$3,301/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,512/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,797
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,320
−HK$1,546/mo
Today · 4.125%
HK$59,866
baseline
▲ 0.50% · 4.625%
HK$63,021
+HK$3,155/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,732/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,451 · Scale 2, in force from 26 Feb 2026)