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$28,258
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,137
−HK$893/mo
Today · 4.125%
HK$30,030
baseline
▲ 0.50% · 4.625%
HK$31,857
+HK$1,827/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,060/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,436
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,279
−HK$856/mo
Today · 4.125%
HK$33,135
baseline
▲ 0.50% · 4.625%
HK$34,881
+HK$1,746/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,270/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,909
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,964
−HK$1,071/mo
Today · 4.125%
HK$36,035
baseline
▲ 0.50% · 4.625%
HK$38,228
+HK$2,193/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$464,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,723
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,735
−HK$1,027/mo
Today · 4.125%
HK$39,762
baseline
▲ 0.50% · 4.625%
HK$41,857
+HK$2,095/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,524/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,561
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,791
−HK$1,250/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$464,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,011
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,191
−HK$1,197/mo
Today · 4.125%
HK$46,388
baseline
▲ 0.50% · 4.625%
HK$48,834
+HK$2,446/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$464,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,864
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,446
−HK$1,607/mo
Today · 4.125%
HK$54,053
baseline
▲ 0.50% · 4.625%
HK$57,342
+HK$3,289/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,106/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,585
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,103
−HK$1,539/mo
Today · 4.125%
HK$59,642
baseline
▲ 0.50% · 4.625%
HK$62,786
+HK$3,144/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,284/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,711 · Scale 2, in force from 26 Feb 2026)