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$28,310
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,190
−HK$895/mo
Today · 4.125%
HK$30,085
baseline
▲ 0.50% · 4.625%
HK$31,916
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,170/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,494
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,339
−HK$857/mo
Today · 4.125%
HK$33,196
baseline
▲ 0.50% · 4.625%
HK$34,946
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,392/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,972
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,028
−HK$1,074/mo
Today · 4.125%
HK$36,102
baseline
▲ 0.50% · 4.625%
HK$38,299
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,204/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,793
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,807
−HK$1,028/mo
Today · 4.125%
HK$39,835
baseline
▲ 0.50% · 4.625%
HK$41,935
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,670/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,634
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,867
−HK$1,252/mo
Today · 4.125%
HK$42,119
baseline
▲ 0.50% · 4.625%
HK$44,682
+HK$2,563/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,238/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,092
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,275
−HK$1,199/mo
Today · 4.125%
HK$46,474
baseline
▲ 0.50% · 4.625%
HK$48,924
+HK$2,450/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,948/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,958
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,543
−HK$1,610/mo
Today · 4.125%
HK$54,153
baseline
▲ 0.50% · 4.625%
HK$57,448
+HK$3,295/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,306/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,690
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,210
−HK$1,543/mo
Today · 4.125%
HK$59,753
baseline
▲ 0.50% · 4.625%
HK$62,902
+HK$3,149/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,506/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,569 · Scale 2, in force from 26 Feb 2026)