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$28,341
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,223
−HK$895/mo
Today · 4.125%
HK$30,118
baseline
▲ 0.50% · 4.625%
HK$31,951
+HK$1,833/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,236/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,529
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,375
−HK$858/mo
Today · 4.125%
HK$33,233
baseline
▲ 0.50% · 4.625%
HK$34,984
+HK$1,751/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,466/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,009
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,067
−HK$1,075/mo
Today · 4.125%
HK$36,142
baseline
▲ 0.50% · 4.625%
HK$38,341
+HK$2,199/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,284/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,835
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,850
−HK$1,029/mo
Today · 4.125%
HK$39,879
baseline
▲ 0.50% · 4.625%
HK$41,981
+HK$2,102/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,758/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,677
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,912
−HK$1,254/mo
Today · 4.125%
HK$42,166
baseline
▲ 0.50% · 4.625%
HK$44,731
+HK$2,565/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,332/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$466,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,141
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,325
−HK$1,201/mo
Today · 4.125%
HK$46,526
baseline
▲ 0.50% · 4.625%
HK$48,978
+HK$2,452/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,052/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$466,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,014
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,601
−HK$1,612/mo
Today · 4.125%
HK$54,213
baseline
▲ 0.50% · 4.625%
HK$57,512
+HK$3,299/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$108,426/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,752
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,274
−HK$1,545/mo
Today · 4.125%
HK$59,819
baseline
▲ 0.50% · 4.625%
HK$62,972
+HK$3,153/mo
Deposit HK$1.24M · loan HK$11.19M · min. income ≈ HK$119,638/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,083 · Scale 2, in force from 26 Feb 2026)