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$28,333
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,214
−HK$896/mo
Today · 4.125%
HK$30,110
baseline
▲ 0.50% · 4.625%
HK$31,942
+HK$1,832/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,220/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,520
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,365
−HK$858/mo
Today · 4.125%
HK$33,223
baseline
▲ 0.50% · 4.625%
HK$34,974
+HK$1,751/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,446/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,000
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,057
−HK$1,075/mo
Today · 4.125%
HK$36,132
baseline
▲ 0.50% · 4.625%
HK$38,330
+HK$2,198/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,264/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$465,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,824
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,839
−HK$1,029/mo
Today · 4.125%
HK$39,868
baseline
▲ 0.50% · 4.625%
HK$41,969
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,736/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$465,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,666
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,900
−HK$1,254/mo
Today · 4.125%
HK$42,154
baseline
▲ 0.50% · 4.625%
HK$44,719
+HK$2,565/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,308/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,128
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,312
−HK$1,200/mo
Today · 4.125%
HK$46,512
baseline
▲ 0.50% · 4.625%
HK$48,964
+HK$2,452/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,024/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,999
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,586
−HK$1,611/mo
Today · 4.125%
HK$54,197
baseline
▲ 0.50% · 4.625%
HK$57,495
+HK$3,298/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,394/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,736
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,258
−HK$1,544/mo
Today · 4.125%
HK$59,802
baseline
▲ 0.50% · 4.625%
HK$62,954
+HK$3,152/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,604/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,951 · Scale 2, in force from 26 Feb 2026)