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$28,373
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,256
−HK$896/mo
Today · 4.125%
HK$30,152
baseline
▲ 0.50% · 4.625%
HK$31,987
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,304/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,565
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,411
−HK$859/mo
Today · 4.125%
HK$33,270
baseline
▲ 0.50% · 4.625%
HK$35,024
+HK$1,754/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,540/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,048
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,107
−HK$1,076/mo
Today · 4.125%
HK$36,183
baseline
▲ 0.50% · 4.625%
HK$38,384
+HK$2,201/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,366/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,878
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,894
−HK$1,030/mo
Today · 4.125%
HK$39,924
baseline
▲ 0.50% · 4.625%
HK$42,029
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,848/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,722
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,958
−HK$1,255/mo
Today · 4.125%
HK$42,213
baseline
▲ 0.50% · 4.625%
HK$44,782
+HK$2,569/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,426/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,191
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,376
−HK$1,202/mo
Today · 4.125%
HK$46,578
baseline
▲ 0.50% · 4.625%
HK$49,033
+HK$2,455/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,156/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,072
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,660
−HK$1,614/mo
Today · 4.125%
HK$54,274
baseline
▲ 0.50% · 4.625%
HK$57,577
+HK$3,303/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,548/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,817
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,340
−HK$1,546/mo
Today · 4.125%
HK$59,886
baseline
▲ 0.50% · 4.625%
HK$63,043
+HK$3,157/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,772/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,611 · Scale 2, in force from 26 Feb 2026)