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$28,311
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,192
−HK$894/mo
Today · 4.125%
HK$30,086
baseline
▲ 0.50% · 4.625%
HK$31,917
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,172/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,496
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,341
−HK$856/mo
Today · 4.125%
HK$33,197
baseline
▲ 0.50% · 4.625%
HK$34,947
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,394/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,973
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,030
−HK$1,074/mo
Today · 4.125%
HK$36,104
baseline
▲ 0.50% · 4.625%
HK$38,301
+HK$2,197/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,208/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,795
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,809
−HK$1,028/mo
Today · 4.125%
HK$39,837
baseline
▲ 0.50% · 4.625%
HK$41,937
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,674/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,636
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,868
−HK$1,253/mo
Today · 4.125%
HK$42,121
baseline
▲ 0.50% · 4.625%
HK$44,684
+HK$2,563/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,242/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,094
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,277
−HK$1,199/mo
Today · 4.125%
HK$46,476
baseline
▲ 0.50% · 4.625%
HK$48,926
+HK$2,450/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,952/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,960
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,545
−HK$1,611/mo
Today · 4.125%
HK$54,156
baseline
▲ 0.50% · 4.625%
HK$57,451
+HK$3,295/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,312/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,693
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,213
−HK$1,542/mo
Today · 4.125%
HK$59,755
baseline
▲ 0.50% · 4.625%
HK$62,905
+HK$3,150/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,510/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,592 · Scale 2, in force from 26 Feb 2026)