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$28,317
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,197
−HK$895/mo
Today · 4.125%
HK$30,092
baseline
▲ 0.50% · 4.625%
HK$31,923
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,184/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,502
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,347
−HK$857/mo
Today · 4.125%
HK$33,204
baseline
▲ 0.50% · 4.625%
HK$34,954
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,408/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,980
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,037
−HK$1,074/mo
Today · 4.125%
HK$36,111
baseline
▲ 0.50% · 4.625%
HK$38,308
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,222/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,802
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,816
−HK$1,029/mo
Today · 4.125%
HK$39,845
baseline
▲ 0.50% · 4.625%
HK$41,945
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,690/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,643
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,876
−HK$1,253/mo
Today · 4.125%
HK$42,129
baseline
▲ 0.50% · 4.625%
HK$44,693
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$84,258/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,103
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,286
−HK$1,199/mo
Today · 4.125%
HK$46,485
baseline
▲ 0.50% · 4.625%
HK$48,936
+HK$2,451/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$92,970/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,970
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,555
−HK$1,611/mo
Today · 4.125%
HK$54,166
baseline
▲ 0.50% · 4.625%
HK$57,462
+HK$3,296/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,332/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,703
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,224
−HK$1,543/mo
Today · 4.125%
HK$59,767
baseline
▲ 0.50% · 4.625%
HK$62,917
+HK$3,150/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,534/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,682 · Scale 2, in force from 26 Feb 2026)