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$28,300
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,181
−HK$894/mo
Today · 4.125%
HK$30,075
baseline
▲ 0.50% · 4.625%
HK$31,905
+HK$1,830/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,150/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,484
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,328
−HK$857/mo
Today · 4.125%
HK$33,185
baseline
▲ 0.50% · 4.625%
HK$34,934
+HK$1,749/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,370/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,960
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,017
−HK$1,073/mo
Today · 4.125%
HK$36,090
baseline
▲ 0.50% · 4.625%
HK$38,286
+HK$2,196/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$72,180/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,781
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,794
−HK$1,028/mo
Today · 4.125%
HK$39,822
baseline
▲ 0.50% · 4.625%
HK$41,921
+HK$2,099/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$79,644/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,620
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,853
−HK$1,252/mo
Today · 4.125%
HK$42,105
baseline
▲ 0.50% · 4.625%
HK$44,667
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,210/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,077
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,259
−HK$1,200/mo
Today · 4.125%
HK$46,459
baseline
▲ 0.50% · 4.625%
HK$48,908
+HK$2,449/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,918/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,941
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,525
−HK$1,610/mo
Today · 4.125%
HK$54,135
baseline
▲ 0.50% · 4.625%
HK$57,429
+HK$3,294/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,270/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,671
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,191
−HK$1,542/mo
Today · 4.125%
HK$59,733
baseline
▲ 0.50% · 4.625%
HK$62,881
+HK$3,148/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,466/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,414 · Scale 2, in force from 26 Feb 2026)