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$28,256
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,135
−HK$893/mo
Today · 4.125%
HK$30,028
baseline
▲ 0.50% · 4.625%
HK$31,856
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,056/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,435
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,278
−HK$855/mo
Today · 4.125%
HK$33,133
baseline
▲ 0.50% · 4.625%
HK$34,880
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,266/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,908
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,963
−HK$1,071/mo
Today · 4.125%
HK$36,034
baseline
▲ 0.50% · 4.625%
HK$38,227
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,068/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,722
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,734
−HK$1,026/mo
Today · 4.125%
HK$39,760
baseline
▲ 0.50% · 4.625%
HK$41,856
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,520/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,559
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,790
−HK$1,250/mo
Today · 4.125%
HK$42,040
baseline
▲ 0.50% · 4.625%
HK$44,598
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,080/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,009
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,189
−HK$1,198/mo
Today · 4.125%
HK$46,387
baseline
▲ 0.50% · 4.625%
HK$48,832
+HK$2,445/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,774/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,862
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,444
−HK$1,607/mo
Today · 4.125%
HK$54,051
baseline
▲ 0.50% · 4.625%
HK$57,340
+HK$3,289/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,102/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,583
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,101
−HK$1,539/mo
Today · 4.125%
HK$59,640
baseline
▲ 0.50% · 4.625%
HK$62,784
+HK$3,144/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,280/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,693 · Scale 2, in force from 26 Feb 2026)