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$28,267
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,146
−HK$894/mo
Today · 4.125%
HK$30,040
baseline
▲ 0.50% · 4.625%
HK$31,867
+HK$1,827/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,080/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,447
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,290
−HK$856/mo
Today · 4.125%
HK$33,146
baseline
▲ 0.50% · 4.625%
HK$34,893
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,292/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,920
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,976
−HK$1,072/mo
Today · 4.125%
HK$36,048
baseline
▲ 0.50% · 4.625%
HK$38,241
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,096/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,736
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,748
−HK$1,027/mo
Today · 4.125%
HK$39,775
baseline
▲ 0.50% · 4.625%
HK$41,871
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,550/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,574
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,805
−HK$1,250/mo
Today · 4.125%
HK$42,055
baseline
▲ 0.50% · 4.625%
HK$44,614
+HK$2,559/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,110/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,025
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,206
−HK$1,198/mo
Today · 4.125%
HK$46,404
baseline
▲ 0.50% · 4.625%
HK$48,850
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,808/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,881
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,463
−HK$1,608/mo
Today · 4.125%
HK$54,071
baseline
▲ 0.50% · 4.625%
HK$57,361
+HK$3,290/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,142/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,604
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,122
−HK$1,540/mo
Today · 4.125%
HK$59,662
baseline
▲ 0.50% · 4.625%
HK$62,807
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,324/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,866 · Scale 2, in force from 26 Feb 2026)