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$28,302
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,183
−HK$894/mo
Today · 4.125%
HK$30,077
baseline
▲ 0.50% · 4.625%
HK$31,907
+HK$1,830/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,154/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,486
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,330
−HK$857/mo
Today · 4.125%
HK$33,187
baseline
▲ 0.50% · 4.625%
HK$34,936
+HK$1,749/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,374/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,963
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,019
−HK$1,073/mo
Today · 4.125%
HK$36,092
baseline
▲ 0.50% · 4.625%
HK$38,289
+HK$2,197/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$72,184/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,783
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,796
−HK$1,028/mo
Today · 4.125%
HK$39,824
baseline
▲ 0.50% · 4.625%
HK$41,924
+HK$2,100/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$79,648/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,623
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,856
−HK$1,252/mo
Today · 4.125%
HK$42,108
baseline
▲ 0.50% · 4.625%
HK$44,670
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,216/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,080
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,262
−HK$1,200/mo
Today · 4.125%
HK$46,462
baseline
▲ 0.50% · 4.625%
HK$48,911
+HK$2,449/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,924/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,944
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,529
−HK$1,610/mo
Today · 4.125%
HK$54,139
baseline
▲ 0.50% · 4.625%
HK$57,433
+HK$3,294/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,278/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,675
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,195
−HK$1,542/mo
Today · 4.125%
HK$59,737
baseline
▲ 0.50% · 4.625%
HK$62,885
+HK$3,148/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,474/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,445 · Scale 2, in force from 26 Feb 2026)