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$28,381
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,264
−HK$897/mo
Today · 4.125%
HK$30,161
baseline
▲ 0.50% · 4.625%
HK$31,996
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,322/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,573
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,420
−HK$859/mo
Today · 4.125%
HK$33,279
baseline
▲ 0.50% · 4.625%
HK$35,033
+HK$1,754/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,558/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,057
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,116
−HK$1,077/mo
Today · 4.125%
HK$36,193
baseline
▲ 0.50% · 4.625%
HK$38,395
+HK$2,202/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,386/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,888
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,904
−HK$1,031/mo
Today · 4.125%
HK$39,935
baseline
▲ 0.50% · 4.625%
HK$42,040
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,870/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,733
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,969
−HK$1,256/mo
Today · 4.125%
HK$42,225
baseline
▲ 0.50% · 4.625%
HK$44,794
+HK$2,569/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,450/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,203
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,388
−HK$1,203/mo
Today · 4.125%
HK$46,591
baseline
▲ 0.50% · 4.625%
HK$49,047
+HK$2,456/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,182/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,086
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,675
−HK$1,614/mo
Today · 4.125%
HK$54,289
baseline
▲ 0.50% · 4.625%
HK$57,592
+HK$3,303/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,578/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,832
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,356
−HK$1,547/mo
Today · 4.125%
HK$59,903
baseline
▲ 0.50% · 4.625%
HK$63,060
+HK$3,157/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,806/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,739 · Scale 2, in force from 26 Feb 2026)