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$28,292
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,172
−HK$894/mo
Today · 4.125%
HK$30,066
baseline
▲ 0.50% · 4.625%
HK$31,896
+HK$1,830/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,132/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,475
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,319
−HK$856/mo
Today · 4.125%
HK$33,175
baseline
▲ 0.50% · 4.625%
HK$34,924
+HK$1,749/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,350/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,951
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,007
−HK$1,073/mo
Today · 4.125%
HK$36,080
baseline
▲ 0.50% · 4.625%
HK$38,275
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,160/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,770
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,783
−HK$1,027/mo
Today · 4.125%
HK$39,810
baseline
▲ 0.50% · 4.625%
HK$41,909
+HK$2,099/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,620/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,609
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,841
−HK$1,252/mo
Today · 4.125%
HK$42,093
baseline
▲ 0.50% · 4.625%
HK$44,654
+HK$2,561/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,186/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,065
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,246
−HK$1,199/mo
Today · 4.125%
HK$46,445
baseline
▲ 0.50% · 4.625%
HK$48,893
+HK$2,448/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,890/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,926
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,510
−HK$1,609/mo
Today · 4.125%
HK$54,119
baseline
▲ 0.50% · 4.625%
HK$57,412
+HK$3,293/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,238/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,654
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,174
−HK$1,541/mo
Today · 4.125%
HK$59,715
baseline
▲ 0.50% · 4.625%
HK$62,863
+HK$3,148/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,430/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,279 · Scale 2, in force from 26 Feb 2026)