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$466,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,574
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,421
−HK$859/mo
Today · 4.125%
HK$33,280
baseline
▲ 0.50% · 4.625%
HK$35,034
+HK$1,754/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,560/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,057
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,117
−HK$1,076/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$466,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,889
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,905
−HK$1,031/mo
Today · 4.125%
HK$39,936
baseline
▲ 0.50% · 4.625%
HK$42,041
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,872/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,734
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,970
−HK$1,255/mo
Today · 4.125%
HK$42,225
baseline
▲ 0.50% · 4.625%
HK$44,795
+HK$2,570/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$466,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,203
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,389
−HK$1,202/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$466,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,086
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,675
−HK$1,615/mo
Today · 4.125%
HK$54,290
baseline
▲ 0.50% · 4.625%
HK$57,593
+HK$3,303/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,580/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,833
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,357
−HK$1,546/mo
Today · 4.125%
HK$59,903
baseline
▲ 0.50% · 4.625%
HK$63,061
+HK$3,158/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$466,744 · Scale 2, in force from 26 Feb 2026)