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$28,283
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,163
−HK$893/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$465,125 · 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$465,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,939
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$34,995
−HK$1,073/mo
Today · 4.125%
HK$36,068
baseline
▲ 0.50% · 4.625%
HK$38,262
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,136/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,757
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,770
−HK$1,027/mo
Today · 4.125%
HK$39,797
baseline
▲ 0.50% · 4.625%
HK$41,895
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,594/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,596
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,828
−HK$1,251/mo
Today · 4.125%
HK$42,079
baseline
▲ 0.50% · 4.625%
HK$44,639
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,158/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,050
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,231
−HK$1,199/mo
Today · 4.125%
HK$46,430
baseline
▲ 0.50% · 4.625%
HK$48,877
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,860/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,909
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,493
−HK$1,608/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$465,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,636
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,155
−HK$1,541/mo
Today · 4.125%
HK$59,696
baseline
▲ 0.50% · 4.625%
HK$62,842
+HK$3,146/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,392/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,125 · Scale 2, in force from 26 Feb 2026)