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$28,309
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,190
−HK$895/mo
Today · 4.125%
HK$30,085
baseline
▲ 0.50% · 4.625%
HK$31,915
+HK$1,830/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,170/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,494
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,339
−HK$856/mo
Today · 4.125%
HK$33,195
baseline
▲ 0.50% · 4.625%
HK$34,945
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,390/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,971
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,028
−HK$1,074/mo
Today · 4.125%
HK$36,102
baseline
▲ 0.50% · 4.625%
HK$38,298
+HK$2,196/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,204/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,793
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,806
−HK$1,029/mo
Today · 4.125%
HK$39,835
baseline
▲ 0.50% · 4.625%
HK$41,934
+HK$2,099/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,670/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,633
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,866
−HK$1,253/mo
Today · 4.125%
HK$42,119
baseline
▲ 0.50% · 4.625%
HK$44,681
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,238/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,092
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,274
−HK$1,200/mo
Today · 4.125%
HK$46,474
baseline
▲ 0.50% · 4.625%
HK$48,923
+HK$2,449/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,948/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,957
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,542
−HK$1,610/mo
Today · 4.125%
HK$54,152
baseline
▲ 0.50% · 4.625%
HK$57,448
+HK$3,296/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,304/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,689
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,210
−HK$1,542/mo
Today · 4.125%
HK$59,752
baseline
▲ 0.50% · 4.625%
HK$62,901
+HK$3,149/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,504/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,564 · Scale 2, in force from 26 Feb 2026)