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$28,351
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,233
−HK$896/mo
Today · 4.125%
HK$30,129
baseline
▲ 0.50% · 4.625%
HK$31,963
+HK$1,834/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,258/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,541
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,387
−HK$858/mo
Today · 4.125%
HK$33,245
baseline
▲ 0.50% · 4.625%
HK$34,997
+HK$1,752/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,490/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,022
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,080
−HK$1,075/mo
Today · 4.125%
HK$36,155
baseline
▲ 0.50% · 4.625%
HK$38,355
+HK$2,200/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,310/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,849
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,864
−HK$1,030/mo
Today · 4.125%
HK$39,894
baseline
▲ 0.50% · 4.625%
HK$41,997
+HK$2,103/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,788/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,692
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,927
−HK$1,254/mo
Today · 4.125%
HK$42,181
baseline
▲ 0.50% · 4.625%
HK$44,748
+HK$2,567/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,362/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,157
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,341
−HK$1,202/mo
Today · 4.125%
HK$46,543
baseline
▲ 0.50% · 4.625%
HK$48,996
+HK$2,453/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,086/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,033
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,620
−HK$1,613/mo
Today · 4.125%
HK$54,233
baseline
▲ 0.50% · 4.625%
HK$57,533
+HK$3,300/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,466/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,773
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,296
−HK$1,545/mo
Today · 4.125%
HK$59,841
baseline
▲ 0.50% · 4.625%
HK$62,995
+HK$3,154/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,682/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,256 · Scale 2, in force from 26 Feb 2026)