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$28,324
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,205
−HK$895/mo
Today · 4.125%
HK$30,100
baseline
▲ 0.50% · 4.625%
HK$31,932
+HK$1,832/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,200/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,510
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,355
−HK$857/mo
Today · 4.125%
HK$33,212
baseline
▲ 0.50% · 4.625%
HK$34,963
+HK$1,751/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,424/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,989
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,046
−HK$1,074/mo
Today · 4.125%
HK$36,120
baseline
▲ 0.50% · 4.625%
HK$38,318
+HK$2,198/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,240/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,812
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,826
−HK$1,029/mo
Today · 4.125%
HK$39,855
baseline
▲ 0.50% · 4.625%
HK$41,956
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,710/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,654
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,887
−HK$1,253/mo
Today · 4.125%
HK$42,140
baseline
▲ 0.50% · 4.625%
HK$44,704
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$84,280/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,114
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,297
−HK$1,200/mo
Today · 4.125%
HK$46,497
baseline
▲ 0.50% · 4.625%
HK$48,948
+HK$2,451/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$92,994/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,983
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,569
−HK$1,611/mo
Today · 4.125%
HK$54,180
baseline
▲ 0.50% · 4.625%
HK$57,477
+HK$3,297/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,360/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,718
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,239
−HK$1,543/mo
Today · 4.125%
HK$59,782
baseline
▲ 0.50% · 4.625%
HK$62,934
+HK$3,152/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,564/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,802 · Scale 2, in force from 26 Feb 2026)