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$28,321
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,202
−HK$895/mo
Today · 4.125%
HK$30,097
baseline
▲ 0.50% · 4.625%
HK$31,928
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,194/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,507
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,352
−HK$857/mo
Today · 4.125%
HK$33,209
baseline
▲ 0.50% · 4.625%
HK$34,959
+HK$1,750/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,418/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,985
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,042
−HK$1,074/mo
Today · 4.125%
HK$36,116
baseline
▲ 0.50% · 4.625%
HK$38,314
+HK$2,198/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,232/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,808
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,822
−HK$1,029/mo
Today · 4.125%
HK$39,851
baseline
▲ 0.50% · 4.625%
HK$41,951
+HK$2,100/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,702/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,649
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,883
−HK$1,253/mo
Today · 4.125%
HK$42,136
baseline
▲ 0.50% · 4.625%
HK$44,700
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$84,272/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,109
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,292
−HK$1,201/mo
Today · 4.125%
HK$46,493
baseline
▲ 0.50% · 4.625%
HK$48,943
+HK$2,450/mo
Deposit HK$3.73M · loan HK$8.69M · min. income ≈ HK$92,986/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,978
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,563
−HK$1,611/mo
Today · 4.125%
HK$54,174
baseline
▲ 0.50% · 4.625%
HK$57,471
+HK$3,297/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,348/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,712
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,233
−HK$1,543/mo
Today · 4.125%
HK$59,776
baseline
▲ 0.50% · 4.625%
HK$62,927
+HK$3,151/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,552/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,753 · Scale 2, in force from 26 Feb 2026)