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$28,387
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,270
−HK$897/mo
Today · 4.125%
HK$30,167
baseline
▲ 0.50% · 4.625%
HK$32,003
+HK$1,836/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,334/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,580
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,427
−HK$859/mo
Today · 4.125%
HK$33,286
baseline
▲ 0.50% · 4.625%
HK$35,041
+HK$1,755/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,572/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,064
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,124
−HK$1,076/mo
Today · 4.125%
HK$36,200
baseline
▲ 0.50% · 4.625%
HK$38,403
+HK$2,203/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,400/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,896
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,913
−HK$1,031/mo
Today · 4.125%
HK$39,944
baseline
▲ 0.50% · 4.625%
HK$42,049
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,888/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,742
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,978
−HK$1,256/mo
Today · 4.125%
HK$42,234
baseline
▲ 0.50% · 4.625%
HK$44,804
+HK$2,570/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,468/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,212
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,398
−HK$1,203/mo
Today · 4.125%
HK$46,601
baseline
▲ 0.50% · 4.625%
HK$49,057
+HK$2,456/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,202/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,097
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,686
−HK$1,615/mo
Today · 4.125%
HK$54,301
baseline
▲ 0.50% · 4.625%
HK$57,605
+HK$3,304/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,602/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,844
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,369
−HK$1,547/mo
Today · 4.125%
HK$59,916
baseline
▲ 0.50% · 4.625%
HK$63,074
+HK$3,158/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,832/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,839 · Scale 2, in force from 26 Feb 2026)