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$28,326
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,207
−HK$895/mo
Today · 4.125%
HK$30,102
baseline
▲ 0.50% · 4.625%
HK$31,934
+HK$1,832/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,204/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,513
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,358
−HK$857/mo
Today · 4.125%
HK$33,215
baseline
▲ 0.50% · 4.625%
HK$34,966
+HK$1,751/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,430/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,991
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,049
−HK$1,074/mo
Today · 4.125%
HK$36,123
baseline
▲ 0.50% · 4.625%
HK$38,321
+HK$2,198/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,246/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,815
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,829
−HK$1,029/mo
Today · 4.125%
HK$39,858
baseline
▲ 0.50% · 4.625%
HK$41,959
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,716/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,657
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,890
−HK$1,253/mo
Today · 4.125%
HK$42,143
baseline
▲ 0.50% · 4.625%
HK$44,708
+HK$2,565/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,286/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,118
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,301
−HK$1,200/mo
Today · 4.125%
HK$46,501
baseline
▲ 0.50% · 4.625%
HK$48,952
+HK$2,451/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,002/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,987
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,573
−HK$1,611/mo
Today · 4.125%
HK$54,184
baseline
▲ 0.50% · 4.625%
HK$57,481
+HK$3,297/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,368/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,723
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,244
−HK$1,543/mo
Today · 4.125%
HK$59,787
baseline
▲ 0.50% · 4.625%
HK$62,939
+HK$3,152/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,574/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,838 · Scale 2, in force from 26 Feb 2026)