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$28,340
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,222
−HK$895/mo
Today · 4.125%
HK$30,117
baseline
▲ 0.50% · 4.625%
HK$31,950
+HK$1,833/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,234/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,528
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,373
−HK$858/mo
Today · 4.125%
HK$33,231
baseline
▲ 0.50% · 4.625%
HK$34,983
+HK$1,752/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,462/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,008
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,066
−HK$1,075/mo
Today · 4.125%
HK$36,141
baseline
▲ 0.50% · 4.625%
HK$38,340
+HK$2,199/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,282/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,834
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,848
−HK$1,030/mo
Today · 4.125%
HK$39,878
baseline
▲ 0.50% · 4.625%
HK$41,980
+HK$2,102/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,756/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,676
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,910
−HK$1,254/mo
Today · 4.125%
HK$42,164
baseline
▲ 0.50% · 4.625%
HK$44,730
+HK$2,566/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,328/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$466,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,139
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,323
−HK$1,201/mo
Today · 4.125%
HK$46,524
baseline
▲ 0.50% · 4.625%
HK$48,976
+HK$2,452/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,048/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$466,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,012
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,599
−HK$1,612/mo
Today · 4.125%
HK$54,211
baseline
▲ 0.50% · 4.625%
HK$57,509
+HK$3,298/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,422/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,750
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,272
−HK$1,544/mo
Today · 4.125%
HK$59,816
baseline
▲ 0.50% · 4.625%
HK$62,969
+HK$3,153/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,632/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,066 · Scale 2, in force from 26 Feb 2026)