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$28,320
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,201
−HK$895/mo
Today · 4.125%
HK$30,096
baseline
▲ 0.50% · 4.625%
HK$31,927
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,192/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,506
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,351
−HK$857/mo
Today · 4.125%
HK$33,208
baseline
▲ 0.50% · 4.625%
HK$34,958
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,416/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,984
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,041
−HK$1,074/mo
Today · 4.125%
HK$36,115
baseline
▲ 0.50% · 4.625%
HK$38,312
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,230/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,807
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,821
−HK$1,028/mo
Today · 4.125%
HK$39,849
baseline
▲ 0.50% · 4.625%
HK$41,950
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,698/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,648
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,881
−HK$1,253/mo
Today · 4.125%
HK$42,134
baseline
▲ 0.50% · 4.625%
HK$44,698
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$84,268/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,108
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,291
−HK$1,200/mo
Today · 4.125%
HK$46,491
baseline
▲ 0.50% · 4.625%
HK$48,941
+HK$2,450/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$92,982/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,976
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,561
−HK$1,611/mo
Today · 4.125%
HK$54,172
baseline
▲ 0.50% · 4.625%
HK$57,469
+HK$3,297/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,344/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,710
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,231
−HK$1,543/mo
Today · 4.125%
HK$59,774
baseline
▲ 0.50% · 4.625%
HK$62,925
+HK$3,151/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,548/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,736 · Scale 2, in force from 26 Feb 2026)