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$28,329
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,210
−HK$895/mo
Today · 4.125%
HK$30,105
baseline
▲ 0.50% · 4.625%
HK$31,937
+HK$1,832/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,210/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,516
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,361
−HK$857/mo
Today · 4.125%
HK$33,218
baseline
▲ 0.50% · 4.625%
HK$34,969
+HK$1,751/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,436/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,995
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,052
−HK$1,074/mo
Today · 4.125%
HK$36,126
baseline
▲ 0.50% · 4.625%
HK$38,325
+HK$2,199/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,252/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$465,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,819
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,833
−HK$1,029/mo
Today · 4.125%
HK$39,862
baseline
▲ 0.50% · 4.625%
HK$41,963
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,724/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$465,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,660
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,894
−HK$1,254/mo
Today · 4.125%
HK$42,148
baseline
▲ 0.50% · 4.625%
HK$44,712
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,296/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,122
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,305
−HK$1,201/mo
Today · 4.125%
HK$46,506
baseline
▲ 0.50% · 4.625%
HK$48,957
+HK$2,451/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,012/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,992
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,578
−HK$1,612/mo
Today · 4.125%
HK$54,190
baseline
▲ 0.50% · 4.625%
HK$57,487
+HK$3,297/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,380/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,728
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,250
−HK$1,543/mo
Today · 4.125%
HK$59,793
baseline
▲ 0.50% · 4.625%
HK$62,945
+HK$3,152/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,586/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,884 · Scale 2, in force from 26 Feb 2026)