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$28,369
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,252
−HK$896/mo
Today · 4.125%
HK$30,148
baseline
▲ 0.50% · 4.625%
HK$31,983
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,296/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,561
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,407
−HK$859/mo
Today · 4.125%
HK$33,266
baseline
▲ 0.50% · 4.625%
HK$35,019
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,532/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,043
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,102
−HK$1,076/mo
Today · 4.125%
HK$36,178
baseline
▲ 0.50% · 4.625%
HK$38,379
+HK$2,201/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$72,356/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,873
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,888
−HK$1,031/mo
Today · 4.125%
HK$39,919
baseline
▲ 0.50% · 4.625%
HK$42,023
+HK$2,104/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$79,838/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,717
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,952
−HK$1,256/mo
Today · 4.125%
HK$42,208
baseline
▲ 0.50% · 4.625%
HK$44,776
+HK$2,568/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,416/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,185
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,370
−HK$1,202/mo
Today · 4.125%
HK$46,572
baseline
▲ 0.50% · 4.625%
HK$49,027
+HK$2,455/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,144/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,065
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,653
−HK$1,614/mo
Today · 4.125%
HK$54,267
baseline
▲ 0.50% · 4.625%
HK$57,569
+HK$3,302/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,534/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,809
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,333
−HK$1,545/mo
Today · 4.125%
HK$59,878
baseline
▲ 0.50% · 4.625%
HK$63,034
+HK$3,156/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,756/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,548 · Scale 2, in force from 26 Feb 2026)