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$28,395
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,278
−HK$897/mo
Today · 4.125%
HK$30,175
baseline
▲ 0.50% · 4.625%
HK$32,011
+HK$1,836/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,350/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,589
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,436
−HK$859/mo
Today · 4.125%
HK$33,295
baseline
▲ 0.50% · 4.625%
HK$35,051
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,590/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,074
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,134
−HK$1,076/mo
Today · 4.125%
HK$36,210
baseline
▲ 0.50% · 4.625%
HK$38,414
+HK$2,204/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,420/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,907
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,923
−HK$1,032/mo
Today · 4.125%
HK$39,955
baseline
▲ 0.50% · 4.625%
HK$42,061
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,910/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,753
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,989
−HK$1,256/mo
Today · 4.125%
HK$42,245
baseline
▲ 0.50% · 4.625%
HK$44,816
+HK$2,571/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,490/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,224
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,410
−HK$1,204/mo
Today · 4.125%
HK$46,614
baseline
▲ 0.50% · 4.625%
HK$49,071
+HK$2,457/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,228/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,110
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,700
−HK$1,616/mo
Today · 4.125%
HK$54,316
baseline
▲ 0.50% · 4.625%
HK$57,621
+HK$3,305/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,632/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,860
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,385
−HK$1,547/mo
Today · 4.125%
HK$59,932
baseline
▲ 0.50% · 4.625%
HK$63,091
+HK$3,159/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,864/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,966 · Scale 2, in force from 26 Feb 2026)