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$28,312
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,193
−HK$895/mo
Today · 4.125%
HK$30,088
baseline
▲ 0.50% · 4.625%
HK$31,919
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,176/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,497
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,342
−HK$857/mo
Today · 4.125%
HK$33,199
baseline
▲ 0.50% · 4.625%
HK$34,949
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,398/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,975
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,032
−HK$1,073/mo
Today · 4.125%
HK$36,105
baseline
▲ 0.50% · 4.625%
HK$38,302
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,210/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,797
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,810
−HK$1,029/mo
Today · 4.125%
HK$39,839
baseline
▲ 0.50% · 4.625%
HK$41,939
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,678/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,637
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,870
−HK$1,253/mo
Today · 4.125%
HK$42,123
baseline
▲ 0.50% · 4.625%
HK$44,686
+HK$2,563/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,246/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,096
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,279
−HK$1,200/mo
Today · 4.125%
HK$46,479
baseline
▲ 0.50% · 4.625%
HK$48,929
+HK$2,450/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,958/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,962
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,548
−HK$1,610/mo
Today · 4.125%
HK$54,158
baseline
▲ 0.50% · 4.625%
HK$57,454
+HK$3,296/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,316/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,695
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,216
−HK$1,542/mo
Today · 4.125%
HK$59,758
baseline
▲ 0.50% · 4.625%
HK$62,908
+HK$3,150/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,516/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,613 · Scale 2, in force from 26 Feb 2026)