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$28,303
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,184
−HK$894/mo
Today · 4.125%
HK$30,078
baseline
▲ 0.50% · 4.625%
HK$31,908
+HK$1,830/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,156/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,487
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,332
−HK$856/mo
Today · 4.125%
HK$33,188
baseline
▲ 0.50% · 4.625%
HK$34,938
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,376/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,964
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,021
−HK$1,073/mo
Today · 4.125%
HK$36,094
baseline
▲ 0.50% · 4.625%
HK$38,290
+HK$2,196/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$72,188/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,785
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,798
−HK$1,028/mo
Today · 4.125%
HK$39,826
baseline
▲ 0.50% · 4.625%
HK$41,925
+HK$2,099/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$79,652/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,625
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,857
−HK$1,253/mo
Today · 4.125%
HK$42,110
baseline
▲ 0.50% · 4.625%
HK$44,672
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,220/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,082
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,264
−HK$1,200/mo
Today · 4.125%
HK$46,464
baseline
▲ 0.50% · 4.625%
HK$48,913
+HK$2,449/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,928/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,946
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,531
−HK$1,610/mo
Today · 4.125%
HK$54,141
baseline
▲ 0.50% · 4.625%
HK$57,435
+HK$3,294/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,282/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,677
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,197
−HK$1,542/mo
Today · 4.125%
HK$59,739
baseline
▲ 0.50% · 4.625%
HK$62,888
+HK$3,149/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,478/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,465 · Scale 2, in force from 26 Feb 2026)