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$28,305
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,186
−HK$894/mo
Today · 4.125%
HK$30,080
baseline
▲ 0.50% · 4.625%
HK$31,910
+HK$1,830/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,160/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,489
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,334
−HK$856/mo
Today · 4.125%
HK$33,190
baseline
▲ 0.50% · 4.625%
HK$34,940
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,380/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,966
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,023
−HK$1,073/mo
Today · 4.125%
HK$36,096
baseline
▲ 0.50% · 4.625%
HK$38,292
+HK$2,196/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,192/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,787
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,800
−HK$1,028/mo
Today · 4.125%
HK$39,828
baseline
▲ 0.50% · 4.625%
HK$41,928
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,656/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,627
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,860
−HK$1,252/mo
Today · 4.125%
HK$42,112
baseline
▲ 0.50% · 4.625%
HK$44,675
+HK$2,563/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,224/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,085
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,267
−HK$1,200/mo
Today · 4.125%
HK$46,467
baseline
▲ 0.50% · 4.625%
HK$48,916
+HK$2,449/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,934/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,949
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,534
−HK$1,610/mo
Today · 4.125%
HK$54,144
baseline
▲ 0.50% · 4.625%
HK$57,439
+HK$3,295/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,288/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,680
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,201
−HK$1,542/mo
Today · 4.125%
HK$59,743
baseline
▲ 0.50% · 4.625%
HK$62,892
+HK$3,149/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,486/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,492 · Scale 2, in force from 26 Feb 2026)