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$28,379
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,262
−HK$897/mo
Today · 4.125%
HK$30,159
baseline
▲ 0.50% · 4.625%
HK$31,994
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,318/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,572
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,418
−HK$859/mo
Today · 4.125%
HK$33,277
baseline
▲ 0.50% · 4.625%
HK$35,032
+HK$1,755/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,554/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,055
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,114
−HK$1,077/mo
Today · 4.125%
HK$36,191
baseline
▲ 0.50% · 4.625%
HK$38,393
+HK$2,202/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,382/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,886
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,902
−HK$1,031/mo
Today · 4.125%
HK$39,933
baseline
▲ 0.50% · 4.625%
HK$42,038
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,866/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,731
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,967
−HK$1,256/mo
Today · 4.125%
HK$42,223
baseline
▲ 0.50% · 4.625%
HK$44,792
+HK$2,569/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,446/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,200
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,386
−HK$1,202/mo
Today · 4.125%
HK$46,588
baseline
▲ 0.50% · 4.625%
HK$49,044
+HK$2,456/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,176/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,083
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,672
−HK$1,614/mo
Today · 4.125%
HK$54,286
baseline
▲ 0.50% · 4.625%
HK$57,589
+HK$3,303/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,572/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,829
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,353
−HK$1,546/mo
Today · 4.125%
HK$59,899
baseline
▲ 0.50% · 4.625%
HK$63,057
+HK$3,158/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,798/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,713 · Scale 2, in force from 26 Feb 2026)