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$28,294
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,174
−HK$894/mo
Today · 4.125%
HK$30,068
baseline
▲ 0.50% · 4.625%
HK$31,897
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,136/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,476
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,321
−HK$856/mo
Today · 4.125%
HK$33,177
baseline
▲ 0.50% · 4.625%
HK$34,926
+HK$1,749/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,354/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,952
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,008
−HK$1,073/mo
Today · 4.125%
HK$36,081
baseline
▲ 0.50% · 4.625%
HK$38,277
+HK$2,196/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,162/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,772
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,785
−HK$1,027/mo
Today · 4.125%
HK$39,812
baseline
▲ 0.50% · 4.625%
HK$41,911
+HK$2,099/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,624/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,611
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,843
−HK$1,252/mo
Today · 4.125%
HK$42,095
baseline
▲ 0.50% · 4.625%
HK$44,656
+HK$2,561/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,190/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,067
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,249
−HK$1,199/mo
Today · 4.125%
HK$46,448
baseline
▲ 0.50% · 4.625%
HK$48,896
+HK$2,448/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,896/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,929
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,513
−HK$1,609/mo
Today · 4.125%
HK$54,122
baseline
▲ 0.50% · 4.625%
HK$57,415
+HK$3,293/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,244/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,658
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,177
−HK$1,542/mo
Today · 4.125%
HK$59,719
baseline
▲ 0.50% · 4.625%
HK$62,866
+HK$3,147/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,438/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,304 · Scale 2, in force from 26 Feb 2026)