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$28,284
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,164
−HK$894/mo
Today · 4.125%
HK$30,058
baseline
▲ 0.50% · 4.625%
HK$31,887
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,116/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,466
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,310
−HK$856/mo
Today · 4.125%
HK$33,166
baseline
▲ 0.50% · 4.625%
HK$34,914
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,332/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,941
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,997
−HK$1,072/mo
Today · 4.125%
HK$36,069
baseline
▲ 0.50% · 4.625%
HK$38,264
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,138/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,759
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,772
−HK$1,027/mo
Today · 4.125%
HK$39,799
baseline
▲ 0.50% · 4.625%
HK$41,897
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,598/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,598
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,830
−HK$1,251/mo
Today · 4.125%
HK$42,081
baseline
▲ 0.50% · 4.625%
HK$44,642
+HK$2,561/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,162/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,052
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,234
−HK$1,198/mo
Today · 4.125%
HK$46,432
baseline
▲ 0.50% · 4.625%
HK$48,880
+HK$2,448/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,864/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,912
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,495
−HK$1,609/mo
Today · 4.125%
HK$54,104
baseline
▲ 0.50% · 4.625%
HK$57,396
+HK$3,292/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,208/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,639
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,158
−HK$1,541/mo
Today · 4.125%
HK$59,699
baseline
▲ 0.50% · 4.625%
HK$62,845
+HK$3,146/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,398/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,149 · Scale 2, in force from 26 Feb 2026)