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$28,327
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,208
−HK$895/mo
Today · 4.125%
HK$30,103
baseline
▲ 0.50% · 4.625%
HK$31,935
+HK$1,832/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,206/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,513
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,358
−HK$858/mo
Today · 4.125%
HK$33,216
baseline
▲ 0.50% · 4.625%
HK$34,966
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,432/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,992
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,049
−HK$1,075/mo
Today · 4.125%
HK$36,124
baseline
▲ 0.50% · 4.625%
HK$38,322
+HK$2,198/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,248/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,816
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,830
−HK$1,029/mo
Today · 4.125%
HK$39,859
baseline
▲ 0.50% · 4.625%
HK$41,960
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,718/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,657
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,891
−HK$1,253/mo
Today · 4.125%
HK$42,144
baseline
▲ 0.50% · 4.625%
HK$44,708
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,288/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,118
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,302
−HK$1,200/mo
Today · 4.125%
HK$46,502
baseline
▲ 0.50% · 4.625%
HK$48,953
+HK$2,451/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,004/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,988
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,574
−HK$1,611/mo
Today · 4.125%
HK$54,185
baseline
▲ 0.50% · 4.625%
HK$57,482
+HK$3,297/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,370/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,724
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,245
−HK$1,543/mo
Today · 4.125%
HK$59,788
baseline
▲ 0.50% · 4.625%
HK$62,940
+HK$3,152/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,576/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,846 · Scale 2, in force from 26 Feb 2026)