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$465,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,515
−HK$1,703/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$465,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,994
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,052
−HK$1,074/mo
Today · 4.125%
HK$36,126
baseline
▲ 0.50% · 4.625%
HK$38,324
+HK$2,198/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$465,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,818
−HK$2,044/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$465,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,660
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,894
−HK$1,253/mo
Today · 4.125%
HK$42,147
baseline
▲ 0.50% · 4.625%
HK$44,712
+HK$2,565/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,294/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,121
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,305
−HK$1,200/mo
Today · 4.125%
HK$46,505
baseline
▲ 0.50% · 4.625%
HK$48,957
+HK$2,452/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,010/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,992
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,578
−HK$1,611/mo
Today · 4.125%
HK$54,189
baseline
▲ 0.50% · 4.625%
HK$57,486
+HK$3,297/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,378/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,728
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,249
−HK$1,543/mo
Today · 4.125%
HK$59,792
baseline
▲ 0.50% · 4.625%
HK$62,944
+HK$3,152/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,584/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,879 · Scale 2, in force from 26 Feb 2026)