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$28,313
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,194
−HK$895/mo
Today · 4.125%
HK$30,089
baseline
▲ 0.50% · 4.625%
HK$31,919
+HK$1,830/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,178/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,498
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,343
−HK$857/mo
Today · 4.125%
HK$33,200
baseline
▲ 0.50% · 4.625%
HK$34,950
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,400/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,976
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,032
−HK$1,074/mo
Today · 4.125%
HK$36,106
baseline
▲ 0.50% · 4.625%
HK$38,303
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,212/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,798
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,811
−HK$1,029/mo
Today · 4.125%
HK$39,840
baseline
▲ 0.50% · 4.625%
HK$41,940
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,680/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,638
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,871
−HK$1,253/mo
Today · 4.125%
HK$42,124
baseline
▲ 0.50% · 4.625%
HK$44,687
+HK$2,563/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,248/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,097
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,280
−HK$1,200/mo
Today · 4.125%
HK$46,480
baseline
▲ 0.50% · 4.625%
HK$48,930
+HK$2,450/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,960/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,963
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,549
−HK$1,610/mo
Today · 4.125%
HK$54,159
baseline
▲ 0.50% · 4.625%
HK$57,455
+HK$3,296/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,318/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,696
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,217
−HK$1,542/mo
Today · 4.125%
HK$59,759
baseline
▲ 0.50% · 4.625%
HK$62,909
+HK$3,150/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,518/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,623 · Scale 2, in force from 26 Feb 2026)