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$28,268
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,147
−HK$894/mo
Today · 4.125%
HK$30,041
baseline
▲ 0.50% · 4.625%
HK$31,869
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,082/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,448
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,291
−HK$856/mo
Today · 4.125%
HK$33,147
baseline
▲ 0.50% · 4.625%
HK$34,894
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,294/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,922
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,977
−HK$1,072/mo
Today · 4.125%
HK$36,049
baseline
▲ 0.50% · 4.625%
HK$38,242
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,098/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,737
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,750
−HK$1,026/mo
Today · 4.125%
HK$39,776
baseline
▲ 0.50% · 4.625%
HK$41,873
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,552/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,575
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,806
−HK$1,251/mo
Today · 4.125%
HK$42,057
baseline
▲ 0.50% · 4.625%
HK$44,616
+HK$2,559/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,114/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,027
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,208
−HK$1,198/mo
Today · 4.125%
HK$46,406
baseline
▲ 0.50% · 4.625%
HK$48,852
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,812/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,882
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,465
−HK$1,608/mo
Today · 4.125%
HK$54,073
baseline
▲ 0.50% · 4.625%
HK$57,363
+HK$3,290/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,146/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,606
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,124
−HK$1,540/mo
Today · 4.125%
HK$59,664
baseline
▲ 0.50% · 4.625%
HK$62,809
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,328/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,883 · Scale 2, in force from 26 Feb 2026)