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$28,345
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,227
−HK$896/mo
Today · 4.125%
HK$30,123
baseline
▲ 0.50% · 4.625%
HK$31,956
+HK$1,833/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,246/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,534
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,380
−HK$858/mo
Today · 4.125%
HK$33,238
baseline
▲ 0.50% · 4.625%
HK$34,990
+HK$1,752/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,476/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,014
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,072
−HK$1,075/mo
Today · 4.125%
HK$36,147
baseline
▲ 0.50% · 4.625%
HK$38,347
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,294/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,841
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,855
−HK$1,030/mo
Today · 4.125%
HK$39,885
baseline
▲ 0.50% · 4.625%
HK$41,987
+HK$2,102/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,770/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,683
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,918
−HK$1,254/mo
Today · 4.125%
HK$42,172
baseline
▲ 0.50% · 4.625%
HK$44,738
+HK$2,566/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,344/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,147
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,331
−HK$1,202/mo
Today · 4.125%
HK$46,533
baseline
▲ 0.50% · 4.625%
HK$48,985
+HK$2,452/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,066/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,022
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,609
−HK$1,612/mo
Today · 4.125%
HK$54,221
baseline
▲ 0.50% · 4.625%
HK$57,520
+HK$3,299/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,442/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,761
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,283
−HK$1,545/mo
Today · 4.125%
HK$59,828
baseline
▲ 0.50% · 4.625%
HK$62,981
+HK$3,153/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,656/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,154 · Scale 2, in force from 26 Feb 2026)