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$28,305
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,185
−HK$895/mo
Today · 4.125%
HK$30,080
baseline
▲ 0.50% · 4.625%
HK$31,910
+HK$1,830/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,160/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,489
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,333
−HK$857/mo
Today · 4.125%
HK$33,190
baseline
▲ 0.50% · 4.625%
HK$34,939
+HK$1,749/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,380/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,966
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,022
−HK$1,074/mo
Today · 4.125%
HK$36,096
baseline
▲ 0.50% · 4.625%
HK$38,292
+HK$2,196/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,192/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,786
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,800
−HK$1,028/mo
Today · 4.125%
HK$39,828
baseline
▲ 0.50% · 4.625%
HK$41,927
+HK$2,099/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,656/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,627
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,859
−HK$1,253/mo
Today · 4.125%
HK$42,112
baseline
▲ 0.50% · 4.625%
HK$44,674
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,224/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,084
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,267
−HK$1,199/mo
Today · 4.125%
HK$46,466
baseline
▲ 0.50% · 4.625%
HK$48,915
+HK$2,449/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,932/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,948
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,533
−HK$1,610/mo
Today · 4.125%
HK$54,143
baseline
▲ 0.50% · 4.625%
HK$57,438
+HK$3,295/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,286/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,680
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,200
−HK$1,542/mo
Today · 4.125%
HK$59,742
baseline
▲ 0.50% · 4.625%
HK$62,891
+HK$3,149/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,484/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,486 · Scale 2, in force from 26 Feb 2026)