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$28,254
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,133
−HK$893/mo
Today · 4.125%
HK$30,026
baseline
▲ 0.50% · 4.625%
HK$31,853
+HK$1,827/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,052/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,432
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,275
−HK$856/mo
Today · 4.125%
HK$33,131
baseline
▲ 0.50% · 4.625%
HK$34,877
+HK$1,746/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,262/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,905
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,960
−HK$1,071/mo
Today · 4.125%
HK$36,031
baseline
▲ 0.50% · 4.625%
HK$38,224
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$72,062/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,719
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,731
−HK$1,026/mo
Today · 4.125%
HK$39,757
baseline
▲ 0.50% · 4.625%
HK$41,852
+HK$2,095/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$79,514/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,556
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,786
−HK$1,250/mo
Today · 4.125%
HK$42,036
baseline
▲ 0.50% · 4.625%
HK$44,594
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,072/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,005
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,186
−HK$1,197/mo
Today · 4.125%
HK$46,383
baseline
▲ 0.50% · 4.625%
HK$48,828
+HK$2,445/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,766/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,857
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,439
−HK$1,608/mo
Today · 4.125%
HK$54,047
baseline
▲ 0.50% · 4.625%
HK$57,335
+HK$3,288/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,094/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,578
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,096
−HK$1,539/mo
Today · 4.125%
HK$59,635
baseline
▲ 0.50% · 4.625%
HK$62,779
+HK$3,144/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,270/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,655 · Scale 2, in force from 26 Feb 2026)