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$28,402
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,286
−HK$897/mo
Today · 4.125%
HK$30,183
baseline
▲ 0.50% · 4.625%
HK$32,020
+HK$1,837/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$60,366/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$467,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,597
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,444
−HK$860/mo
Today · 4.125%
HK$33,304
baseline
▲ 0.50% · 4.625%
HK$35,060
+HK$1,756/mo
Deposit HK$6.23M · loan HK$6.23M · min. income ≈ HK$66,608/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$467,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,082
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,143
−HK$1,077/mo
Today · 4.125%
HK$36,220
baseline
▲ 0.50% · 4.625%
HK$38,424
+HK$2,204/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,440/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,916
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,933
−HK$1,032/mo
Today · 4.125%
HK$39,965
baseline
▲ 0.50% · 4.625%
HK$42,071
+HK$2,106/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,930/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$467,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,763
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$41,000
−HK$1,256/mo
Today · 4.125%
HK$42,256
baseline
▲ 0.50% · 4.625%
HK$44,828
+HK$2,572/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$84,512/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,236
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,422
−HK$1,204/mo
Today · 4.125%
HK$46,626
baseline
▲ 0.50% · 4.625%
HK$49,083
+HK$2,457/mo
Deposit HK$3.74M · loan HK$8.72M · min. income ≈ HK$93,252/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$467,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,124
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,714
−HK$1,616/mo
Today · 4.125%
HK$54,330
baseline
▲ 0.50% · 4.625%
HK$57,635
+HK$3,305/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$108,660/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,875
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,400
−HK$1,547/mo
Today · 4.125%
HK$59,947
baseline
▲ 0.50% · 4.625%
HK$63,107
+HK$3,160/mo
Deposit HK$1.25M · loan HK$11.21M · min. income ≈ HK$119,894/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$467,087 · Scale 2, in force from 26 Feb 2026)