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$28,338
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,219
−HK$896/mo
Today · 4.125%
HK$30,115
baseline
▲ 0.50% · 4.625%
HK$31,947
+HK$1,832/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,230/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,526
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,371
−HK$858/mo
Today · 4.125%
HK$33,229
baseline
▲ 0.50% · 4.625%
HK$34,980
+HK$1,751/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,458/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,006
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,063
−HK$1,075/mo
Today · 4.125%
HK$36,138
baseline
▲ 0.50% · 4.625%
HK$38,337
+HK$2,199/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,276/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,831
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,845
−HK$1,030/mo
Today · 4.125%
HK$39,875
baseline
▲ 0.50% · 4.625%
HK$41,977
+HK$2,102/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,750/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,673
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,907
−HK$1,254/mo
Today · 4.125%
HK$42,161
baseline
▲ 0.50% · 4.625%
HK$44,726
+HK$2,565/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,322/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$466,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,136
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,320
−HK$1,201/mo
Today · 4.125%
HK$46,521
baseline
▲ 0.50% · 4.625%
HK$48,973
+HK$2,452/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,042/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$466,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,008
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,595
−HK$1,612/mo
Today · 4.125%
HK$54,207
baseline
▲ 0.50% · 4.625%
HK$57,505
+HK$3,298/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,414/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,746
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,268
−HK$1,544/mo
Today · 4.125%
HK$59,812
baseline
▲ 0.50% · 4.625%
HK$62,965
+HK$3,153/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,624/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,033 · Scale 2, in force from 26 Feb 2026)