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$28,390
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,273
−HK$898/mo
Today · 4.125%
HK$30,171
baseline
▲ 0.50% · 4.625%
HK$32,006
+HK$1,835/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,342/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,584
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,431
−HK$859/mo
Today · 4.125%
HK$33,290
baseline
▲ 0.50% · 4.625%
HK$35,045
+HK$1,755/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,580/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,068
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,128
−HK$1,077/mo
Today · 4.125%
HK$36,205
baseline
▲ 0.50% · 4.625%
HK$38,408
+HK$2,203/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,410/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,901
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,917
−HK$1,031/mo
Today · 4.125%
HK$39,948
baseline
▲ 0.50% · 4.625%
HK$42,054
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,896/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,746
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,983
−HK$1,256/mo
Today · 4.125%
HK$42,239
baseline
▲ 0.50% · 4.625%
HK$44,809
+HK$2,570/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,478/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,217
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,403
−HK$1,203/mo
Today · 4.125%
HK$46,606
baseline
▲ 0.50% · 4.625%
HK$49,063
+HK$2,457/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,212/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,102
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,692
−HK$1,615/mo
Today · 4.125%
HK$54,307
baseline
▲ 0.50% · 4.625%
HK$57,612
+HK$3,305/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,614/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,851
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,376
−HK$1,546/mo
Today · 4.125%
HK$59,922
baseline
▲ 0.50% · 4.625%
HK$63,081
+HK$3,159/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,844/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,893 · Scale 2, in force from 26 Feb 2026)