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$28,258
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,137
−HK$893/mo
Today · 4.125%
HK$30,030
baseline
▲ 0.50% · 4.625%
HK$31,858
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,060/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,437
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,280
−HK$855/mo
Today · 4.125%
HK$33,135
baseline
▲ 0.50% · 4.625%
HK$34,882
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,270/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,910
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,965
−HK$1,071/mo
Today · 4.125%
HK$36,036
baseline
▲ 0.50% · 4.625%
HK$38,229
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,072/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,724
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,736
−HK$1,027/mo
Today · 4.125%
HK$39,763
baseline
▲ 0.50% · 4.625%
HK$41,858
+HK$2,095/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,526/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,562
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,792
−HK$1,250/mo
Today · 4.125%
HK$42,042
baseline
▲ 0.50% · 4.625%
HK$44,601
+HK$2,559/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,084/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,012
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,192
−HK$1,198/mo
Today · 4.125%
HK$46,390
baseline
▲ 0.50% · 4.625%
HK$48,835
+HK$2,445/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,780/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,865
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,447
−HK$1,607/mo
Today · 4.125%
HK$54,054
baseline
▲ 0.50% · 4.625%
HK$57,344
+HK$3,290/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,108/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,587
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,104
−HK$1,540/mo
Today · 4.125%
HK$59,644
baseline
▲ 0.50% · 4.625%
HK$62,788
+HK$3,144/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,288/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,722 · Scale 2, in force from 26 Feb 2026)