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$28,352
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,234
−HK$896/mo
Today · 4.125%
HK$30,130
baseline
▲ 0.50% · 4.625%
HK$31,964
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,260/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,542
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,388
−HK$858/mo
Today · 4.125%
HK$33,246
baseline
▲ 0.50% · 4.625%
HK$34,998
+HK$1,752/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,492/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,023
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,081
−HK$1,075/mo
Today · 4.125%
HK$36,156
baseline
▲ 0.50% · 4.625%
HK$38,356
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,312/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,850
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,865
−HK$1,030/mo
Today · 4.125%
HK$39,895
baseline
▲ 0.50% · 4.625%
HK$41,998
+HK$2,103/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,790/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,693
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,928
−HK$1,254/mo
Today · 4.125%
HK$42,182
baseline
▲ 0.50% · 4.625%
HK$44,749
+HK$2,567/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,364/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,158
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,343
−HK$1,201/mo
Today · 4.125%
HK$46,544
baseline
▲ 0.50% · 4.625%
HK$48,997
+HK$2,453/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,088/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,034
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,622
−HK$1,612/mo
Today · 4.125%
HK$54,234
baseline
▲ 0.50% · 4.625%
HK$57,534
+HK$3,300/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,468/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,775
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,298
−HK$1,544/mo
Today · 4.125%
HK$59,842
baseline
▲ 0.50% · 4.625%
HK$62,997
+HK$3,155/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,684/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,268 · Scale 2, in force from 26 Feb 2026)