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$28,311
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,191
−HK$895/mo
Today · 4.125%
HK$30,086
baseline
▲ 0.50% · 4.625%
HK$31,916
+HK$1,830/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,172/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,495
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,340
−HK$857/mo
Today · 4.125%
HK$33,197
baseline
▲ 0.50% · 4.625%
HK$34,947
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,394/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,973
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,029
−HK$1,074/mo
Today · 4.125%
HK$36,103
baseline
▲ 0.50% · 4.625%
HK$38,300
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,206/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,794
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,808
−HK$1,028/mo
Today · 4.125%
HK$39,836
baseline
▲ 0.50% · 4.625%
HK$41,936
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,672/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,635
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,868
−HK$1,252/mo
Today · 4.125%
HK$42,120
baseline
▲ 0.50% · 4.625%
HK$44,683
+HK$2,563/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,240/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,093
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,276
−HK$1,199/mo
Today · 4.125%
HK$46,475
baseline
▲ 0.50% · 4.625%
HK$48,925
+HK$2,450/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,950/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,959
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,544
−HK$1,610/mo
Today · 4.125%
HK$54,154
baseline
▲ 0.50% · 4.625%
HK$57,450
+HK$3,296/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,308/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,691
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,212
−HK$1,542/mo
Today · 4.125%
HK$59,754
baseline
▲ 0.50% · 4.625%
HK$62,904
+HK$3,150/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,508/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,582 · Scale 2, in force from 26 Feb 2026)