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$28,315
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,195
−HK$895/mo
Today · 4.125%
HK$30,090
baseline
▲ 0.50% · 4.625%
HK$31,921
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,180/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,500
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,345
−HK$857/mo
Today · 4.125%
HK$33,202
baseline
▲ 0.50% · 4.625%
HK$34,952
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,404/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,978
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,034
−HK$1,074/mo
Today · 4.125%
HK$36,108
baseline
▲ 0.50% · 4.625%
HK$38,305
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,216/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,800
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,813
−HK$1,029/mo
Today · 4.125%
HK$39,842
baseline
▲ 0.50% · 4.625%
HK$41,942
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,684/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,640
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,874
−HK$1,252/mo
Today · 4.125%
HK$42,126
baseline
▲ 0.50% · 4.625%
HK$44,690
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$84,252/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,100
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,282
−HK$1,200/mo
Today · 4.125%
HK$46,482
baseline
▲ 0.50% · 4.625%
HK$48,932
+HK$2,450/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$92,964/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,966
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,552
−HK$1,610/mo
Today · 4.125%
HK$54,162
baseline
▲ 0.50% · 4.625%
HK$57,458
+HK$3,296/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,324/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,700
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,220
−HK$1,543/mo
Today · 4.125%
HK$59,763
baseline
▲ 0.50% · 4.625%
HK$62,913
+HK$3,150/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,526/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,649 · Scale 2, in force from 26 Feb 2026)