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$28,264
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,143
−HK$894/mo
Today · 4.125%
HK$30,037
baseline
▲ 0.50% · 4.625%
HK$31,864
+HK$1,827/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,074/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,444
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,287
−HK$855/mo
Today · 4.125%
HK$33,142
baseline
▲ 0.50% · 4.625%
HK$34,889
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,284/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,917
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,972
−HK$1,072/mo
Today · 4.125%
HK$36,044
baseline
▲ 0.50% · 4.625%
HK$38,237
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,088/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,732
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,744
−HK$1,027/mo
Today · 4.125%
HK$39,771
baseline
▲ 0.50% · 4.625%
HK$41,867
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,542/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,570
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,801
−HK$1,250/mo
Today · 4.125%
HK$42,051
baseline
▲ 0.50% · 4.625%
HK$44,610
+HK$2,559/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,102/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,021
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,202
−HK$1,197/mo
Today · 4.125%
HK$46,399
baseline
▲ 0.50% · 4.625%
HK$48,845
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,798/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,876
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,458
−HK$1,608/mo
Today · 4.125%
HK$54,066
baseline
▲ 0.50% · 4.625%
HK$57,356
+HK$3,290/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,132/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,599
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,116
−HK$1,540/mo
Today · 4.125%
HK$59,656
baseline
▲ 0.50% · 4.625%
HK$62,801
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,312/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,820 · Scale 2, in force from 26 Feb 2026)