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$28,318
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,199
−HK$895/mo
Today · 4.125%
HK$30,094
baseline
▲ 0.50% · 4.625%
HK$31,925
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,188/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,503
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,348
−HK$857/mo
Today · 4.125%
HK$33,205
baseline
▲ 0.50% · 4.625%
HK$34,956
+HK$1,751/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,410/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,982
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,039
−HK$1,073/mo
Today · 4.125%
HK$36,112
baseline
▲ 0.50% · 4.625%
HK$38,310
+HK$2,198/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,224/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,804
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,818
−HK$1,029/mo
Today · 4.125%
HK$39,847
baseline
▲ 0.50% · 4.625%
HK$41,947
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,694/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,645
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,878
−HK$1,253/mo
Today · 4.125%
HK$42,131
baseline
▲ 0.50% · 4.625%
HK$44,695
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$84,262/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,105
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,288
−HK$1,200/mo
Today · 4.125%
HK$46,488
baseline
▲ 0.50% · 4.625%
HK$48,938
+HK$2,450/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$92,976/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,972
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,558
−HK$1,611/mo
Today · 4.125%
HK$54,169
baseline
▲ 0.50% · 4.625%
HK$57,465
+HK$3,296/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,338/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,706
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,227
−HK$1,543/mo
Today · 4.125%
HK$59,770
baseline
▲ 0.50% · 4.625%
HK$62,920
+HK$3,150/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,540/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,704 · Scale 2, in force from 26 Feb 2026)