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$28,327
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,208
−HK$896/mo
Today · 4.125%
HK$30,104
baseline
▲ 0.50% · 4.625%
HK$31,935
+HK$1,831/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$60,208/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,514
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,359
−HK$857/mo
Today · 4.125%
HK$33,216
baseline
▲ 0.50% · 4.625%
HK$34,967
+HK$1,751/mo
Deposit HK$6.21M · loan HK$6.21M · min. income ≈ HK$66,432/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$465,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,993
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,050
−HK$1,074/mo
Today · 4.125%
HK$36,124
baseline
▲ 0.50% · 4.625%
HK$38,322
+HK$2,198/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$72,248/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,816
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,831
−HK$1,029/mo
Today · 4.125%
HK$39,860
baseline
▲ 0.50% · 4.625%
HK$41,961
+HK$2,101/mo
Deposit HK$4.97M · loan HK$7.45M · min. income ≈ HK$79,720/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,658
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,892
−HK$1,253/mo
Today · 4.125%
HK$42,145
baseline
▲ 0.50% · 4.625%
HK$44,709
+HK$2,564/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,290/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,119
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,302
−HK$1,201/mo
Today · 4.125%
HK$46,503
baseline
▲ 0.50% · 4.625%
HK$48,954
+HK$2,451/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$93,006/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,989
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,575
−HK$1,611/mo
Today · 4.125%
HK$54,186
baseline
▲ 0.50% · 4.625%
HK$57,484
+HK$3,298/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$108,372/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,725
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,246
−HK$1,543/mo
Today · 4.125%
HK$59,789
baseline
▲ 0.50% · 4.625%
HK$62,941
+HK$3,152/mo
Deposit HK$1.24M · loan HK$11.18M · min. income ≈ HK$119,578/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,856 · Scale 2, in force from 26 Feb 2026)