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$28,307
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,188
−HK$895/mo
Today · 4.125%
HK$30,083
baseline
▲ 0.50% · 4.625%
HK$31,913
+HK$1,830/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,166/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,492
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,336
−HK$857/mo
Today · 4.125%
HK$33,193
baseline
▲ 0.50% · 4.625%
HK$34,943
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,386/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,969
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,026
−HK$1,073/mo
Today · 4.125%
HK$36,099
baseline
▲ 0.50% · 4.625%
HK$38,296
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,198/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,790
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,804
−HK$1,028/mo
Today · 4.125%
HK$39,832
baseline
▲ 0.50% · 4.625%
HK$41,931
+HK$2,099/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,664/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,630
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,863
−HK$1,253/mo
Today · 4.125%
HK$42,116
baseline
▲ 0.50% · 4.625%
HK$44,678
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,232/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,088
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,271
−HK$1,199/mo
Today · 4.125%
HK$46,470
baseline
▲ 0.50% · 4.625%
HK$48,920
+HK$2,450/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,940/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,953
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,538
−HK$1,611/mo
Today · 4.125%
HK$54,149
baseline
▲ 0.50% · 4.625%
HK$57,443
+HK$3,294/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,298/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,685
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,205
−HK$1,543/mo
Today · 4.125%
HK$59,748
baseline
▲ 0.50% · 4.625%
HK$62,897
+HK$3,149/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,496/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,531 · Scale 2, in force from 26 Feb 2026)