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$28,290
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,170
−HK$894/mo
Today · 4.125%
HK$30,064
baseline
▲ 0.50% · 4.625%
HK$31,893
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,128/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,472
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,316
−HK$857/mo
Today · 4.125%
HK$33,173
baseline
▲ 0.50% · 4.625%
HK$34,921
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,346/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,948
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,004
−HK$1,073/mo
Today · 4.125%
HK$36,077
baseline
▲ 0.50% · 4.625%
HK$38,272
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,154/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,767
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,780
−HK$1,027/mo
Today · 4.125%
HK$39,807
baseline
▲ 0.50% · 4.625%
HK$41,906
+HK$2,099/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,614/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,606
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,838
−HK$1,252/mo
Today · 4.125%
HK$42,090
baseline
▲ 0.50% · 4.625%
HK$44,651
+HK$2,561/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,180/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,061
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,243
−HK$1,199/mo
Today · 4.125%
HK$46,442
baseline
▲ 0.50% · 4.625%
HK$48,890
+HK$2,448/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,884/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,922
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,506
−HK$1,609/mo
Today · 4.125%
HK$54,115
baseline
▲ 0.50% · 4.625%
HK$57,408
+HK$3,293/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,230/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,650
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,170
−HK$1,541/mo
Today · 4.125%
HK$59,711
baseline
▲ 0.50% · 4.625%
HK$62,858
+HK$3,147/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,422/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,244 · Scale 2, in force from 26 Feb 2026)