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$28,356
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,238
−HK$896/mo
Today · 4.125%
HK$30,134
baseline
▲ 0.50% · 4.625%
HK$31,968
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,268/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,546
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,392
−HK$858/mo
Today · 4.125%
HK$33,250
baseline
▲ 0.50% · 4.625%
HK$35,003
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,500/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,027
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,086
−HK$1,075/mo
Today · 4.125%
HK$36,161
baseline
▲ 0.50% · 4.625%
HK$38,362
+HK$2,201/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,322/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,855
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,870
−HK$1,030/mo
Today · 4.125%
HK$39,900
baseline
▲ 0.50% · 4.625%
HK$42,004
+HK$2,104/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,800/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,699
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,933
−HK$1,255/mo
Today · 4.125%
HK$42,188
baseline
▲ 0.50% · 4.625%
HK$44,755
+HK$2,567/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,376/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,164
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,349
−HK$1,201/mo
Today · 4.125%
HK$46,550
baseline
▲ 0.50% · 4.625%
HK$49,004
+HK$2,454/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,100/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,041
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,629
−HK$1,613/mo
Today · 4.125%
HK$54,242
baseline
▲ 0.50% · 4.625%
HK$57,542
+HK$3,300/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,484/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,783
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,306
−HK$1,544/mo
Today · 4.125%
HK$59,850
baseline
▲ 0.50% · 4.625%
HK$63,005
+HK$3,155/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,700/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,332 · Scale 2, in force from 26 Feb 2026)