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$28,259
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,138
−HK$893/mo
Today · 4.125%
HK$30,031
baseline
▲ 0.50% · 4.625%
HK$31,858
+HK$1,827/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,062/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,438
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,281
−HK$855/mo
Today · 4.125%
HK$33,136
baseline
▲ 0.50% · 4.625%
HK$34,883
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,272/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,910
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,965
−HK$1,072/mo
Today · 4.125%
HK$36,037
baseline
▲ 0.50% · 4.625%
HK$38,230
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,074/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,725
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,737
−HK$1,026/mo
Today · 4.125%
HK$39,763
baseline
▲ 0.50% · 4.625%
HK$41,859
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,526/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,562
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,793
−HK$1,250/mo
Today · 4.125%
HK$42,043
baseline
▲ 0.50% · 4.625%
HK$44,601
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,086/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,013
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,193
−HK$1,197/mo
Today · 4.125%
HK$46,390
baseline
▲ 0.50% · 4.625%
HK$48,836
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,780/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,866
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,448
−HK$1,607/mo
Today · 4.125%
HK$54,055
baseline
▲ 0.50% · 4.625%
HK$57,345
+HK$3,290/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,110/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,588
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,105
−HK$1,540/mo
Today · 4.125%
HK$59,645
baseline
▲ 0.50% · 4.625%
HK$62,789
+HK$3,144/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,290/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,730 · Scale 2, in force from 26 Feb 2026)