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$28,257
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,136
−HK$893/mo
Today · 4.125%
HK$30,029
baseline
▲ 0.50% · 4.625%
HK$31,856
+HK$1,827/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,058/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,436
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,279
−HK$855/mo
Today · 4.125%
HK$33,134
baseline
▲ 0.50% · 4.625%
HK$34,881
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,268/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,908
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,963
−HK$1,072/mo
Today · 4.125%
HK$36,035
baseline
▲ 0.50% · 4.625%
HK$38,227
+HK$2,192/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,070/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,723
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,735
−HK$1,026/mo
Today · 4.125%
HK$39,761
baseline
▲ 0.50% · 4.625%
HK$41,857
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,522/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,560
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,790
−HK$1,251/mo
Today · 4.125%
HK$42,041
baseline
▲ 0.50% · 4.625%
HK$44,599
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,082/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,010
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,190
−HK$1,198/mo
Today · 4.125%
HK$46,388
baseline
▲ 0.50% · 4.625%
HK$48,833
+HK$2,445/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,776/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,863
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,445
−HK$1,607/mo
Today · 4.125%
HK$54,052
baseline
▲ 0.50% · 4.625%
HK$57,341
+HK$3,289/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,104/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,584
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,102
−HK$1,539/mo
Today · 4.125%
HK$59,641
baseline
▲ 0.50% · 4.625%
HK$62,785
+HK$3,144/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,282/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,702 · Scale 2, in force from 26 Feb 2026)