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$28,287
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,167
−HK$894/mo
Today · 4.125%
HK$30,061
baseline
▲ 0.50% · 4.625%
HK$31,890
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,122/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,469
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,313
−HK$856/mo
Today · 4.125%
HK$33,169
baseline
▲ 0.50% · 4.625%
HK$34,917
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,338/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,944
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,000
−HK$1,073/mo
Today · 4.125%
HK$36,073
baseline
▲ 0.50% · 4.625%
HK$38,268
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,146/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,762
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,775
−HK$1,028/mo
Today · 4.125%
HK$39,803
baseline
▲ 0.50% · 4.625%
HK$41,901
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,606/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,601
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,833
−HK$1,252/mo
Today · 4.125%
HK$42,085
baseline
▲ 0.50% · 4.625%
HK$44,646
+HK$2,561/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,170/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,056
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,238
−HK$1,198/mo
Today · 4.125%
HK$46,436
baseline
▲ 0.50% · 4.625%
HK$48,884
+HK$2,448/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,872/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,916
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,500
−HK$1,609/mo
Today · 4.125%
HK$54,109
baseline
▲ 0.50% · 4.625%
HK$57,401
+HK$3,292/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,218/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,644
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,163
−HK$1,541/mo
Today · 4.125%
HK$59,704
baseline
▲ 0.50% · 4.625%
HK$62,851
+HK$3,147/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,408/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,190 · Scale 2, in force from 26 Feb 2026)