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$28,337
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,218
−HK$895/mo
Today · 4.125%
HK$30,113
baseline
▲ 0.50% · 4.625%
HK$31,946
+HK$1,833/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,226/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,524
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,370
−HK$857/mo
Today · 4.125%
HK$33,227
baseline
▲ 0.50% · 4.625%
HK$34,979
+HK$1,752/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,454/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$466,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,004
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,062
−HK$1,074/mo
Today · 4.125%
HK$36,136
baseline
▲ 0.50% · 4.625%
HK$38,335
+HK$2,199/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$72,272/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,829
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,843
−HK$1,030/mo
Today · 4.125%
HK$39,873
baseline
▲ 0.50% · 4.625%
HK$41,974
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.46M · min. income ≈ HK$79,746/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$466,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,671
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,905
−HK$1,254/mo
Today · 4.125%
HK$42,159
baseline
▲ 0.50% · 4.625%
HK$44,724
+HK$2,565/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,318/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$466,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,134
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,317
−HK$1,201/mo
Today · 4.125%
HK$46,518
baseline
▲ 0.50% · 4.625%
HK$48,970
+HK$2,452/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,036/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$466,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,006
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,592
−HK$1,612/mo
Today · 4.125%
HK$54,204
baseline
▲ 0.50% · 4.625%
HK$57,502
+HK$3,298/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,408/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,743
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,265
−HK$1,544/mo
Today · 4.125%
HK$59,809
baseline
▲ 0.50% · 4.625%
HK$62,962
+HK$3,153/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,618/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$466,010 · Scale 2, in force from 26 Feb 2026)