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$29,251
−HK$897/mo
Today · 4.125%
HK$30,148
baseline
▲ 0.50% · 4.625%
HK$31,982
+HK$1,834/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$466,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,560
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,406
−HK$859/mo
Today · 4.125%
HK$33,265
baseline
▲ 0.50% · 4.625%
HK$35,018
+HK$1,753/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,530/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,042
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,101
−HK$1,076/mo
Today · 4.125%
HK$36,177
baseline
▲ 0.50% · 4.625%
HK$38,379
+HK$2,202/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$72,354/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,872
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,888
−HK$1,030/mo
Today · 4.125%
HK$39,918
baseline
▲ 0.50% · 4.625%
HK$42,022
+HK$2,104/mo
Deposit HK$4.98M · loan HK$7.46M · min. income ≈ HK$79,836/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,716
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,952
−HK$1,255/mo
Today · 4.125%
HK$42,207
baseline
▲ 0.50% · 4.625%
HK$44,775
+HK$2,568/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,414/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,184
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,369
−HK$1,202/mo
Today · 4.125%
HK$46,571
baseline
▲ 0.50% · 4.625%
HK$49,026
+HK$2,455/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,142/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,064
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,652
−HK$1,614/mo
Today · 4.125%
HK$54,266
baseline
▲ 0.50% · 4.625%
HK$57,568
+HK$3,302/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,532/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,808
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,331
−HK$1,546/mo
Today · 4.125%
HK$59,877
baseline
▲ 0.50% · 4.625%
HK$63,033
+HK$3,156/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,754/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,539 · Scale 2, in force from 26 Feb 2026)