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$28,279
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,159
−HK$894/mo
Today · 4.125%
HK$30,053
baseline
▲ 0.50% · 4.625%
HK$31,881
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,106/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,461
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,304
−HK$856/mo
Today · 4.125%
HK$33,160
baseline
▲ 0.50% · 4.625%
HK$34,908
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,320/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,935
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,991
−HK$1,072/mo
Today · 4.125%
HK$36,063
baseline
▲ 0.50% · 4.625%
HK$38,258
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,126/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,753
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,765
−HK$1,027/mo
Today · 4.125%
HK$39,792
baseline
▲ 0.50% · 4.625%
HK$41,890
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,584/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,591
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,823
−HK$1,251/mo
Today · 4.125%
HK$42,074
baseline
▲ 0.50% · 4.625%
HK$44,634
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,148/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,045
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,226
−HK$1,198/mo
Today · 4.125%
HK$46,424
baseline
▲ 0.50% · 4.625%
HK$48,871
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,848/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,903
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,486
−HK$1,609/mo
Today · 4.125%
HK$54,095
baseline
▲ 0.50% · 4.625%
HK$57,387
+HK$3,292/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,190/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,629
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,148
−HK$1,540/mo
Today · 4.125%
HK$59,688
baseline
▲ 0.50% · 4.625%
HK$62,835
+HK$3,147/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,376/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,070 · Scale 2, in force from 26 Feb 2026)