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$28,323
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,205
−HK$895/mo
Today · 4.125%
HK$30,100
baseline
▲ 0.50% · 4.625%
HK$31,931
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,200/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,510
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,355
−HK$857/mo
Today · 4.125%
HK$33,212
baseline
▲ 0.50% · 4.625%
HK$34,963
+HK$1,751/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,424/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,988
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,045
−HK$1,075/mo
Today · 4.125%
HK$36,120
baseline
▲ 0.50% · 4.625%
HK$38,317
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,240/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,812
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,826
−HK$1,028/mo
Today · 4.125%
HK$39,854
baseline
▲ 0.50% · 4.625%
HK$41,955
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,708/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,653
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,886
−HK$1,253/mo
Today · 4.125%
HK$42,139
baseline
▲ 0.50% · 4.625%
HK$44,704
+HK$2,565/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$84,278/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,113
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,297
−HK$1,200/mo
Today · 4.125%
HK$46,497
baseline
▲ 0.50% · 4.625%
HK$48,948
+HK$2,451/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$92,994/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,982
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,568
−HK$1,611/mo
Today · 4.125%
HK$54,179
baseline
▲ 0.50% · 4.625%
HK$57,476
+HK$3,297/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,358/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,717
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,238
−HK$1,544/mo
Today · 4.125%
HK$59,782
baseline
▲ 0.50% · 4.625%
HK$62,933
+HK$3,151/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,564/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,795 · Scale 2, in force from 26 Feb 2026)