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$28,360
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,242
−HK$896/mo
Today · 4.125%
HK$30,138
baseline
▲ 0.50% · 4.625%
HK$31,972
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,276/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,550
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,396
−HK$858/mo
Today · 4.125%
HK$33,254
baseline
▲ 0.50% · 4.625%
HK$35,007
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,508/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,032
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,090
−HK$1,076/mo
Today · 4.125%
HK$36,166
baseline
▲ 0.50% · 4.625%
HK$38,366
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,332/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,860
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,875
−HK$1,030/mo
Today · 4.125%
HK$39,905
baseline
▲ 0.50% · 4.625%
HK$42,009
+HK$2,104/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,810/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,704
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,939
−HK$1,254/mo
Today · 4.125%
HK$42,193
baseline
▲ 0.50% · 4.625%
HK$44,761
+HK$2,568/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,386/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,170
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,354
−HK$1,202/mo
Today · 4.125%
HK$46,556
baseline
▲ 0.50% · 4.625%
HK$49,010
+HK$2,454/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,112/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,047
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,635
−HK$1,613/mo
Today · 4.125%
HK$54,248
baseline
▲ 0.50% · 4.625%
HK$57,549
+HK$3,301/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,496/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,790
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,313
−HK$1,545/mo
Today · 4.125%
HK$59,858
baseline
▲ 0.50% · 4.625%
HK$63,013
+HK$3,155/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,716/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,390 · Scale 2, in force from 26 Feb 2026)