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$1,775/mo
▼ 0.25% · 3.875%
HK$29,189
−HK$895/mo
Today · 4.125%
HK$30,084
baseline
▲ 0.50% · 4.625%
HK$31,914
+HK$1,830/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,168/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,493
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,338
−HK$857/mo
Today · 4.125%
HK$33,195
baseline
▲ 0.50% · 4.625%
HK$34,944
+HK$1,749/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$465,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,970
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,027
−HK$1,074/mo
Today · 4.125%
HK$36,101
baseline
▲ 0.50% · 4.625%
HK$38,297
+HK$2,196/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,202/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,792
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,805
−HK$1,029/mo
Today · 4.125%
HK$39,834
baseline
▲ 0.50% · 4.625%
HK$41,933
+HK$2,099/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,668/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,632
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,865
−HK$1,253/mo
Today · 4.125%
HK$42,118
baseline
▲ 0.50% · 4.625%
HK$44,680
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,236/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,090
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,273
−HK$1,200/mo
Today · 4.125%
HK$46,473
baseline
▲ 0.50% · 4.625%
HK$48,922
+HK$2,449/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,946/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,956
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,541
−HK$1,610/mo
Today · 4.125%
HK$54,151
baseline
▲ 0.50% · 4.625%
HK$57,446
+HK$3,295/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,302/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,688
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,208
−HK$1,542/mo
Today · 4.125%
HK$59,750
baseline
▲ 0.50% · 4.625%
HK$62,900
+HK$3,150/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,500/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,552 · Scale 2, in force from 26 Feb 2026)