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$28,391
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,274
−HK$897/mo
Today · 4.125%
HK$30,171
baseline
▲ 0.50% · 4.625%
HK$32,007
+HK$1,836/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$466,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,585
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,432
−HK$859/mo
Today · 4.125%
HK$33,291
baseline
▲ 0.50% · 4.625%
HK$35,046
+HK$1,755/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,582/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,069
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,129
−HK$1,077/mo
Today · 4.125%
HK$36,206
baseline
▲ 0.50% · 4.625%
HK$38,409
+HK$2,203/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,412/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,902
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,918
−HK$1,031/mo
Today · 4.125%
HK$39,949
baseline
▲ 0.50% · 4.625%
HK$42,055
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,898/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$466,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,747
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,984
−HK$1,256/mo
Today · 4.125%
HK$42,240
baseline
▲ 0.50% · 4.625%
HK$44,810
+HK$2,570/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,480/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,218
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,404
−HK$1,203/mo
Today · 4.125%
HK$46,607
baseline
▲ 0.50% · 4.625%
HK$49,064
+HK$2,457/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,214/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,104
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,693
−HK$1,615/mo
Today · 4.125%
HK$54,308
baseline
▲ 0.50% · 4.625%
HK$57,613
+HK$3,305/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,616/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,852
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,377
−HK$1,547/mo
Today · 4.125%
HK$59,924
baseline
▲ 0.50% · 4.625%
HK$63,082
+HK$3,158/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,848/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,903 · Scale 2, in force from 26 Feb 2026)