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$28,325
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,206
−HK$895/mo
Today · 4.125%
HK$30,101
baseline
▲ 0.50% · 4.625%
HK$31,933
+HK$1,832/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,202/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,511
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,356
−HK$858/mo
Today · 4.125%
HK$33,214
baseline
▲ 0.50% · 4.625%
HK$34,964
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,428/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,990
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,047
−HK$1,074/mo
Today · 4.125%
HK$36,121
baseline
▲ 0.50% · 4.625%
HK$38,319
+HK$2,198/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,242/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,813
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,828
−HK$1,028/mo
Today · 4.125%
HK$39,856
baseline
▲ 0.50% · 4.625%
HK$41,957
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,712/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,655
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,888
−HK$1,254/mo
Today · 4.125%
HK$42,142
baseline
▲ 0.50% · 4.625%
HK$44,706
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,284/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,116
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,299
−HK$1,200/mo
Today · 4.125%
HK$46,499
baseline
▲ 0.50% · 4.625%
HK$48,950
+HK$2,451/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$92,998/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,985
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,571
−HK$1,611/mo
Today · 4.125%
HK$54,182
baseline
▲ 0.50% · 4.625%
HK$57,479
+HK$3,297/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,364/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,720
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,241
−HK$1,544/mo
Today · 4.125%
HK$59,785
baseline
▲ 0.50% · 4.625%
HK$62,936
+HK$3,151/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,570/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,819 · Scale 2, in force from 26 Feb 2026)