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$28,328
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,209
−HK$895/mo
Today · 4.125%
HK$30,104
baseline
▲ 0.50% · 4.625%
HK$31,936
+HK$1,832/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,208/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,514
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,360
−HK$857/mo
Today · 4.125%
HK$33,217
baseline
▲ 0.50% · 4.625%
HK$34,968
+HK$1,751/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,434/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,993
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,051
−HK$1,074/mo
Today · 4.125%
HK$36,125
baseline
▲ 0.50% · 4.625%
HK$38,323
+HK$2,198/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,250/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$465,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,817
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,831
−HK$1,029/mo
Today · 4.125%
HK$39,860
baseline
▲ 0.50% · 4.625%
HK$41,961
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,720/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$465,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,659
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,893
−HK$1,253/mo
Today · 4.125%
HK$42,146
baseline
▲ 0.50% · 4.625%
HK$44,710
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,292/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,120
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,303
−HK$1,201/mo
Today · 4.125%
HK$46,504
baseline
▲ 0.50% · 4.625%
HK$48,955
+HK$2,451/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,008/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,990
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,576
−HK$1,612/mo
Today · 4.125%
HK$54,188
baseline
▲ 0.50% · 4.625%
HK$57,485
+HK$3,297/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,376/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,726
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,247
−HK$1,544/mo
Today · 4.125%
HK$59,791
baseline
▲ 0.50% · 4.625%
HK$62,942
+HK$3,151/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,582/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,866 · Scale 2, in force from 26 Feb 2026)