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$28,331
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,212
−HK$896/mo
Today · 4.125%
HK$30,108
baseline
▲ 0.50% · 4.625%
HK$31,940
+HK$1,832/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,216/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,518
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,363
−HK$858/mo
Today · 4.125%
HK$33,221
baseline
▲ 0.50% · 4.625%
HK$34,972
+HK$1,751/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,442/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,997
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,055
−HK$1,074/mo
Today · 4.125%
HK$36,129
baseline
▲ 0.50% · 4.625%
HK$38,328
+HK$2,199/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,258/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$465,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,822
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,836
−HK$1,029/mo
Today · 4.125%
HK$39,865
baseline
▲ 0.50% · 4.625%
HK$41,966
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,730/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$465,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,664
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,897
−HK$1,254/mo
Today · 4.125%
HK$42,151
baseline
▲ 0.50% · 4.625%
HK$44,716
+HK$2,565/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,302/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,125
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,309
−HK$1,200/mo
Today · 4.125%
HK$46,509
baseline
▲ 0.50% · 4.625%
HK$48,961
+HK$2,452/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,018/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,996
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,582
−HK$1,612/mo
Today · 4.125%
HK$54,194
baseline
▲ 0.50% · 4.625%
HK$57,492
+HK$3,298/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,388/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,733
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,254
−HK$1,544/mo
Today · 4.125%
HK$59,798
baseline
▲ 0.50% · 4.625%
HK$62,950
+HK$3,152/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,596/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,921 · Scale 2, in force from 26 Feb 2026)