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$28,322
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,203
−HK$895/mo
Today · 4.125%
HK$30,098
baseline
▲ 0.50% · 4.625%
HK$31,929
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,196/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,508
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,353
−HK$857/mo
Today · 4.125%
HK$33,210
baseline
▲ 0.50% · 4.625%
HK$34,960
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,420/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,986
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,043
−HK$1,074/mo
Today · 4.125%
HK$36,117
baseline
▲ 0.50% · 4.625%
HK$38,315
+HK$2,198/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,234/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,809
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,823
−HK$1,029/mo
Today · 4.125%
HK$39,852
baseline
▲ 0.50% · 4.625%
HK$41,952
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,704/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,650
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,884
−HK$1,253/mo
Today · 4.125%
HK$42,137
baseline
▲ 0.50% · 4.625%
HK$44,701
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$84,274/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,111
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,294
−HK$1,200/mo
Today · 4.125%
HK$46,494
baseline
▲ 0.50% · 4.625%
HK$48,944
+HK$2,450/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$92,988/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,979
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,565
−HK$1,611/mo
Today · 4.125%
HK$54,176
baseline
▲ 0.50% · 4.625%
HK$57,472
+HK$3,296/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,352/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,714
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,235
−HK$1,543/mo
Today · 4.125%
HK$59,778
baseline
▲ 0.50% · 4.625%
HK$62,929
+HK$3,151/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,556/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,765 · Scale 2, in force from 26 Feb 2026)