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$28,323
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,204
−HK$895/mo
Today · 4.125%
HK$30,099
baseline
▲ 0.50% · 4.625%
HK$31,930
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,198/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,509
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,354
−HK$857/mo
Today · 4.125%
HK$33,211
baseline
▲ 0.50% · 4.625%
HK$34,961
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,422/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,987
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,044
−HK$1,074/mo
Today · 4.125%
HK$36,118
baseline
▲ 0.50% · 4.625%
HK$38,316
+HK$2,198/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,236/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,810
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,824
−HK$1,029/mo
Today · 4.125%
HK$39,853
baseline
▲ 0.50% · 4.625%
HK$41,954
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,706/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,652
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,885
−HK$1,253/mo
Today · 4.125%
HK$42,138
baseline
▲ 0.50% · 4.625%
HK$44,702
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$84,276/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,112
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,295
−HK$1,200/mo
Today · 4.125%
HK$46,495
baseline
▲ 0.50% · 4.625%
HK$48,946
+HK$2,451/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$92,990/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,981
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,566
−HK$1,612/mo
Today · 4.125%
HK$54,178
baseline
▲ 0.50% · 4.625%
HK$57,474
+HK$3,296/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,356/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,715
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,237
−HK$1,543/mo
Today · 4.125%
HK$59,780
baseline
▲ 0.50% · 4.625%
HK$62,931
+HK$3,151/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,560/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,780 · Scale 2, in force from 26 Feb 2026)