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$28,282
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,162
−HK$894/mo
Today · 4.125%
HK$30,056
baseline
▲ 0.50% · 4.625%
HK$31,885
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,112/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,464
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,308
−HK$856/mo
Today · 4.125%
HK$33,164
baseline
▲ 0.50% · 4.625%
HK$34,912
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,328/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,939
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,995
−HK$1,072/mo
Today · 4.125%
HK$36,067
baseline
▲ 0.50% · 4.625%
HK$38,262
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,134/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,757
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,769
−HK$1,027/mo
Today · 4.125%
HK$39,796
baseline
▲ 0.50% · 4.625%
HK$41,894
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,592/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,595
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,827
−HK$1,251/mo
Today · 4.125%
HK$42,078
baseline
▲ 0.50% · 4.625%
HK$44,639
+HK$2,561/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,156/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,049
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,231
−HK$1,198/mo
Today · 4.125%
HK$46,429
baseline
▲ 0.50% · 4.625%
HK$48,877
+HK$2,448/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,858/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,908
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,492
−HK$1,609/mo
Today · 4.125%
HK$54,101
baseline
▲ 0.50% · 4.625%
HK$57,393
+HK$3,292/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,202/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,635
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,154
−HK$1,541/mo
Today · 4.125%
HK$59,695
baseline
▲ 0.50% · 4.625%
HK$62,841
+HK$3,146/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,390/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,119 · Scale 2, in force from 26 Feb 2026)