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$28,298
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,179
−HK$894/mo
Today · 4.125%
HK$30,073
baseline
▲ 0.50% · 4.625%
HK$31,903
+HK$1,830/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,146/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,482
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,326
−HK$856/mo
Today · 4.125%
HK$33,182
baseline
▲ 0.50% · 4.625%
HK$34,932
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,364/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,958
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,014
−HK$1,073/mo
Today · 4.125%
HK$36,087
baseline
▲ 0.50% · 4.625%
HK$38,283
+HK$2,196/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$72,174/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,778
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,791
−HK$1,028/mo
Today · 4.125%
HK$39,819
baseline
▲ 0.50% · 4.625%
HK$41,918
+HK$2,099/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$79,638/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,618
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,850
−HK$1,252/mo
Today · 4.125%
HK$42,102
baseline
▲ 0.50% · 4.625%
HK$44,664
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,204/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,074
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,256
−HK$1,199/mo
Today · 4.125%
HK$46,455
baseline
▲ 0.50% · 4.625%
HK$48,904
+HK$2,449/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,910/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,937
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,521
−HK$1,610/mo
Today · 4.125%
HK$54,131
baseline
▲ 0.50% · 4.625%
HK$57,425
+HK$3,294/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,262/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,667
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,187
−HK$1,541/mo
Today · 4.125%
HK$59,728
baseline
▲ 0.50% · 4.625%
HK$62,877
+HK$3,149/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,456/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,381 · Scale 2, in force from 26 Feb 2026)