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$28,276
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,156
−HK$894/mo
Today · 4.125%
HK$30,050
baseline
▲ 0.50% · 4.625%
HK$31,878
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,100/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,457
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,301
−HK$856/mo
Today · 4.125%
HK$33,157
baseline
▲ 0.50% · 4.625%
HK$34,905
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,314/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,932
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,987
−HK$1,073/mo
Today · 4.125%
HK$36,060
baseline
▲ 0.50% · 4.625%
HK$38,254
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,120/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,749
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,761
−HK$1,027/mo
Today · 4.125%
HK$39,788
baseline
▲ 0.50% · 4.625%
HK$41,885
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,576/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,587
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,818
−HK$1,251/mo
Today · 4.125%
HK$42,069
baseline
▲ 0.50% · 4.625%
HK$44,629
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,138/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,040
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,221
−HK$1,199/mo
Today · 4.125%
HK$46,420
baseline
▲ 0.50% · 4.625%
HK$48,866
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,840/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,898
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,481
−HK$1,608/mo
Today · 4.125%
HK$54,089
baseline
▲ 0.50% · 4.625%
HK$57,381
+HK$3,292/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,178/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,623
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,142
−HK$1,540/mo
Today · 4.125%
HK$59,682
baseline
▲ 0.50% · 4.625%
HK$62,828
+HK$3,146/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,364/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,021 · Scale 2, in force from 26 Feb 2026)