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$28,344
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,226
−HK$896/mo
Today · 4.125%
HK$30,122
baseline
▲ 0.50% · 4.625%
HK$31,955
+HK$1,833/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,244/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,533
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,378
−HK$858/mo
Today · 4.125%
HK$33,236
baseline
▲ 0.50% · 4.625%
HK$34,988
+HK$1,752/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,472/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,013
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,071
−HK$1,075/mo
Today · 4.125%
HK$36,146
baseline
▲ 0.50% · 4.625%
HK$38,346
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,292/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,839
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,854
−HK$1,030/mo
Today · 4.125%
HK$39,884
baseline
▲ 0.50% · 4.625%
HK$41,986
+HK$2,102/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,768/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,682
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,916
−HK$1,254/mo
Today · 4.125%
HK$42,170
baseline
▲ 0.50% · 4.625%
HK$44,736
+HK$2,566/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,340/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,146
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,330
−HK$1,201/mo
Today · 4.125%
HK$46,531
baseline
▲ 0.50% · 4.625%
HK$48,984
+HK$2,453/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,062/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,020
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,607
−HK$1,612/mo
Today · 4.125%
HK$54,219
baseline
▲ 0.50% · 4.625%
HK$57,518
+HK$3,299/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,438/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,759
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,281
−HK$1,544/mo
Today · 4.125%
HK$59,825
baseline
▲ 0.50% · 4.625%
HK$62,979
+HK$3,154/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,650/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,137 · Scale 2, in force from 26 Feb 2026)