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$28,376
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,259
−HK$897/mo
Today · 4.125%
HK$30,156
baseline
▲ 0.50% · 4.625%
HK$31,991
+HK$1,835/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$60,312/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,568
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,415
−HK$859/mo
Today · 4.125%
HK$33,274
baseline
▲ 0.50% · 4.625%
HK$35,028
+HK$1,754/mo
Deposit HK$6.22M · loan HK$6.22M · min. income ≈ HK$66,548/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$466,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,052
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,111
−HK$1,076/mo
Today · 4.125%
HK$36,187
baseline
▲ 0.50% · 4.625%
HK$38,389
+HK$2,202/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$72,374/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,882
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,898
−HK$1,031/mo
Today · 4.125%
HK$39,929
baseline
▲ 0.50% · 4.625%
HK$42,034
+HK$2,105/mo
Deposit HK$4.98M · loan HK$7.47M · min. income ≈ HK$79,858/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,727
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,963
−HK$1,255/mo
Today · 4.125%
HK$42,218
baseline
▲ 0.50% · 4.625%
HK$44,787
+HK$2,569/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$84,436/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,196
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,381
−HK$1,203/mo
Today · 4.125%
HK$46,584
baseline
▲ 0.50% · 4.625%
HK$49,039
+HK$2,455/mo
Deposit HK$3.73M · loan HK$8.71M · min. income ≈ HK$93,168/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,078
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,666
−HK$1,615/mo
Today · 4.125%
HK$54,281
baseline
▲ 0.50% · 4.625%
HK$57,583
+HK$3,302/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$108,562/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,823
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,347
−HK$1,546/mo
Today · 4.125%
HK$59,893
baseline
▲ 0.50% · 4.625%
HK$63,050
+HK$3,157/mo
Deposit HK$1.24M · loan HK$11.20M · min. income ≈ HK$119,786/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,665 · Scale 2, in force from 26 Feb 2026)