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$28,287
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,167
−HK$894/mo
Today · 4.125%
HK$30,061
baseline
▲ 0.50% · 4.625%
HK$31,890
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,122/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,469
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,313
−HK$856/mo
Today · 4.125%
HK$33,169
baseline
▲ 0.50% · 4.625%
HK$34,918
+HK$1,749/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,338/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,945
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$35,000
−HK$1,073/mo
Today · 4.125%
HK$36,073
baseline
▲ 0.50% · 4.625%
HK$38,268
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,146/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,763
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,776
−HK$1,027/mo
Today · 4.125%
HK$39,803
baseline
▲ 0.50% · 4.625%
HK$41,901
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,606/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,602
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,834
−HK$1,251/mo
Today · 4.125%
HK$42,085
baseline
▲ 0.50% · 4.625%
HK$44,646
+HK$2,561/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,170/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,057
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,238
−HK$1,199/mo
Today · 4.125%
HK$46,437
baseline
▲ 0.50% · 4.625%
HK$48,885
+HK$2,448/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,874/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,917
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,501
−HK$1,609/mo
Today · 4.125%
HK$54,110
baseline
▲ 0.50% · 4.625%
HK$57,402
+HK$3,292/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,220/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,644
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,164
−HK$1,541/mo
Today · 4.125%
HK$59,705
baseline
▲ 0.50% · 4.625%
HK$62,852
+HK$3,147/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,410/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,197 · Scale 2, in force from 26 Feb 2026)