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$28,288
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,168
−HK$894/mo
Today · 4.125%
HK$30,062
baseline
▲ 0.50% · 4.625%
HK$31,892
+HK$1,830/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,124/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,471
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,315
−HK$856/mo
Today · 4.125%
HK$33,171
baseline
▲ 0.50% · 4.625%
HK$34,919
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,342/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,946
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,002
−HK$1,073/mo
Today · 4.125%
HK$36,075
baseline
▲ 0.50% · 4.625%
HK$38,270
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,150/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,765
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,777
−HK$1,028/mo
Today · 4.125%
HK$39,805
baseline
▲ 0.50% · 4.625%
HK$41,903
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,610/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,604
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,836
−HK$1,251/mo
Today · 4.125%
HK$42,087
baseline
▲ 0.50% · 4.625%
HK$44,648
+HK$2,561/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,174/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,059
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,240
−HK$1,199/mo
Today · 4.125%
HK$46,439
baseline
▲ 0.50% · 4.625%
HK$48,887
+HK$2,448/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,878/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,919
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,503
−HK$1,609/mo
Today · 4.125%
HK$54,112
baseline
▲ 0.50% · 4.625%
HK$57,405
+HK$3,293/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,224/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,647
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,166
−HK$1,541/mo
Today · 4.125%
HK$59,707
baseline
▲ 0.50% · 4.625%
HK$62,855
+HK$3,148/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,414/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,217 · Scale 2, in force from 26 Feb 2026)