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$28,308
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,189
−HK$894/mo
Today · 4.125%
HK$30,083
baseline
▲ 0.50% · 4.625%
HK$31,914
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,166/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,493
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,337
−HK$857/mo
Today · 4.125%
HK$33,194
baseline
▲ 0.50% · 4.625%
HK$34,944
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,388/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,970
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,026
−HK$1,074/mo
Today · 4.125%
HK$36,100
baseline
▲ 0.50% · 4.625%
HK$38,297
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,200/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,791
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,805
−HK$1,028/mo
Today · 4.125%
HK$39,833
baseline
▲ 0.50% · 4.625%
HK$41,932
+HK$2,099/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,666/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,631
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,864
−HK$1,253/mo
Today · 4.125%
HK$42,117
baseline
▲ 0.50% · 4.625%
HK$44,679
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,234/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,090
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,272
−HK$1,200/mo
Today · 4.125%
HK$46,472
baseline
▲ 0.50% · 4.625%
HK$48,921
+HK$2,449/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,944/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,955
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,540
−HK$1,610/mo
Today · 4.125%
HK$54,150
baseline
▲ 0.50% · 4.625%
HK$57,445
+HK$3,295/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,300/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,687
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,207
−HK$1,542/mo
Today · 4.125%
HK$59,749
baseline
▲ 0.50% · 4.625%
HK$62,899
+HK$3,150/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,498/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,544 · Scale 2, in force from 26 Feb 2026)