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$1,772/mo
▼ 0.25% · 3.875%
HK$29,143
−HK$893/mo
Today · 4.125%
HK$30,036
baseline
▲ 0.50% · 4.625%
HK$31,864
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,072/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,443
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,286
−HK$856/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$464,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,916
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,971
−HK$1,072/mo
Today · 4.125%
HK$36,043
baseline
▲ 0.50% · 4.625%
HK$38,236
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,086/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,732
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,744
−HK$1,026/mo
Today · 4.125%
HK$39,770
baseline
▲ 0.50% · 4.625%
HK$41,867
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,540/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,569
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,800
−HK$1,251/mo
Today · 4.125%
HK$42,051
baseline
▲ 0.50% · 4.625%
HK$44,609
+HK$2,558/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$464,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,020
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,201
−HK$1,198/mo
Today · 4.125%
HK$46,399
baseline
▲ 0.50% · 4.625%
HK$48,844
+HK$2,445/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$464,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,875
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,457
−HK$1,608/mo
Today · 4.125%
HK$54,065
baseline
▲ 0.50% · 4.625%
HK$57,355
+HK$3,290/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,130/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,598
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,116
−HK$1,539/mo
Today · 4.125%
HK$59,655
baseline
▲ 0.50% · 4.625%
HK$62,800
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,310/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,812 · Scale 2, in force from 26 Feb 2026)