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$28,032
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,904
−HK$886/mo
Today · 4.125%
HK$29,790
baseline
▲ 0.50% · 4.625%
HK$31,602
+HK$1,812/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,580/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,185
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,022
−HK$848/mo
Today · 4.125%
HK$32,870
baseline
▲ 0.50% · 4.625%
HK$34,603
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,740/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,638
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,685
−HK$1,063/mo
Today · 4.125%
HK$35,748
baseline
▲ 0.50% · 4.625%
HK$37,923
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,496/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,422
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,426
−HK$1,018/mo
Today · 4.125%
HK$39,444
baseline
▲ 0.50% · 4.625%
HK$41,523
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,888/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,245
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,465
−HK$1,241/mo
Today · 4.125%
HK$41,706
baseline
▲ 0.50% · 4.625%
HK$44,243
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,412/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,659
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,830
−HK$1,188/mo
Today · 4.125%
HK$46,018
baseline
▲ 0.50% · 4.625%
HK$48,444
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,036/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,457
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,027
−HK$1,595/mo
Today · 4.125%
HK$53,622
baseline
▲ 0.50% · 4.625%
HK$56,884
+HK$3,262/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,244/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,133
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,639
−HK$1,527/mo
Today · 4.125%
HK$59,166
baseline
▲ 0.50% · 4.625%
HK$62,285
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,332/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,999 · Scale 2, in force from 26 Feb 2026)