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$28,314
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,195
−HK$894/mo
Today · 4.125%
HK$30,089
baseline
▲ 0.50% · 4.625%
HK$31,920
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,178/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,499
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,344
−HK$857/mo
Today · 4.125%
HK$33,201
baseline
▲ 0.50% · 4.625%
HK$34,951
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,402/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,977
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,033
−HK$1,074/mo
Today · 4.125%
HK$36,107
baseline
▲ 0.50% · 4.625%
HK$38,304
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,214/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,799
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,812
−HK$1,029/mo
Today · 4.125%
HK$39,841
baseline
▲ 0.50% · 4.625%
HK$41,941
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,682/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,639
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,872
−HK$1,253/mo
Today · 4.125%
HK$42,125
baseline
▲ 0.50% · 4.625%
HK$44,688
+HK$2,563/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$84,250/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,098
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,281
−HK$1,200/mo
Today · 4.125%
HK$46,481
baseline
▲ 0.50% · 4.625%
HK$48,931
+HK$2,450/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$92,962/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,965
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,550
−HK$1,611/mo
Today · 4.125%
HK$54,161
baseline
▲ 0.50% · 4.625%
HK$57,456
+HK$3,295/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,322/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,698
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,219
−HK$1,542/mo
Today · 4.125%
HK$59,761
baseline
▲ 0.50% · 4.625%
HK$62,911
+HK$3,150/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,522/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,636 · Scale 2, in force from 26 Feb 2026)