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$28,286
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,166
−HK$894/mo
Today · 4.125%
HK$30,060
baseline
▲ 0.50% · 4.625%
HK$31,889
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,120/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,468
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,312
−HK$856/mo
Today · 4.125%
HK$33,168
baseline
▲ 0.50% · 4.625%
HK$34,916
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,336/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,943
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$34,999
−HK$1,073/mo
Today · 4.125%
HK$36,072
baseline
▲ 0.50% · 4.625%
HK$38,267
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,144/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,761
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,774
−HK$1,028/mo
Today · 4.125%
HK$39,802
baseline
▲ 0.50% · 4.625%
HK$41,900
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,604/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,600
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,832
−HK$1,252/mo
Today · 4.125%
HK$42,084
baseline
▲ 0.50% · 4.625%
HK$44,644
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,168/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,055
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,237
−HK$1,198/mo
Today · 4.125%
HK$46,435
baseline
▲ 0.50% · 4.625%
HK$48,883
+HK$2,448/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,870/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,915
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,498
−HK$1,610/mo
Today · 4.125%
HK$54,108
baseline
▲ 0.50% · 4.625%
HK$57,400
+HK$3,292/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,216/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,642
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,161
−HK$1,541/mo
Today · 4.125%
HK$59,702
baseline
▲ 0.50% · 4.625%
HK$62,849
+HK$3,147/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,404/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,178 · Scale 2, in force from 26 Feb 2026)