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$28,319
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,200
−HK$895/mo
Today · 4.125%
HK$30,095
baseline
▲ 0.50% · 4.625%
HK$31,926
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,190/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,505
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,350
−HK$857/mo
Today · 4.125%
HK$33,207
baseline
▲ 0.50% · 4.625%
HK$34,958
+HK$1,751/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,414/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,983
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,040
−HK$1,074/mo
Today · 4.125%
HK$36,114
baseline
▲ 0.50% · 4.625%
HK$38,312
+HK$2,198/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,228/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,806
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,820
−HK$1,029/mo
Today · 4.125%
HK$39,849
baseline
▲ 0.50% · 4.625%
HK$41,949
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,698/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,647
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,880
−HK$1,253/mo
Today · 4.125%
HK$42,133
baseline
▲ 0.50% · 4.625%
HK$44,697
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$84,266/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,107
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,290
−HK$1,200/mo
Today · 4.125%
HK$46,490
baseline
▲ 0.50% · 4.625%
HK$48,941
+HK$2,451/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$92,980/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,975
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,560
−HK$1,611/mo
Today · 4.125%
HK$54,171
baseline
▲ 0.50% · 4.625%
HK$57,468
+HK$3,297/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,342/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,709
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,230
−HK$1,543/mo
Today · 4.125%
HK$59,773
baseline
▲ 0.50% · 4.625%
HK$62,924
+HK$3,151/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,546/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,727 · Scale 2, in force from 26 Feb 2026)