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$28,295
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,175
−HK$894/mo
Today · 4.125%
HK$30,069
baseline
▲ 0.50% · 4.625%
HK$31,898
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,138/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,477
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,322
−HK$856/mo
Today · 4.125%
HK$33,178
baseline
▲ 0.50% · 4.625%
HK$34,927
+HK$1,749/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,356/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,953
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,010
−HK$1,073/mo
Today · 4.125%
HK$36,083
baseline
▲ 0.50% · 4.625%
HK$38,278
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$72,166/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,773
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,786
−HK$1,028/mo
Today · 4.125%
HK$39,814
baseline
▲ 0.50% · 4.625%
HK$41,912
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$79,628/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,612
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,845
−HK$1,251/mo
Today · 4.125%
HK$42,096
baseline
▲ 0.50% · 4.625%
HK$44,658
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,192/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,068
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,250
−HK$1,199/mo
Today · 4.125%
HK$46,449
baseline
▲ 0.50% · 4.625%
HK$48,898
+HK$2,449/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,898/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,930
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,514
−HK$1,610/mo
Today · 4.125%
HK$54,124
baseline
▲ 0.50% · 4.625%
HK$57,417
+HK$3,293/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,248/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,659
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,179
−HK$1,541/mo
Today · 4.125%
HK$59,720
baseline
▲ 0.50% · 4.625%
HK$62,868
+HK$3,148/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,440/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,319 · Scale 2, in force from 26 Feb 2026)