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$28,297
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,177
−HK$895/mo
Today · 4.125%
HK$30,072
baseline
▲ 0.50% · 4.625%
HK$31,901
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,144/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,480
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,325
−HK$856/mo
Today · 4.125%
HK$33,181
baseline
▲ 0.50% · 4.625%
HK$34,930
+HK$1,749/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,362/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,957
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,013
−HK$1,073/mo
Today · 4.125%
HK$36,086
baseline
▲ 0.50% · 4.625%
HK$38,282
+HK$2,196/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$72,172/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,776
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,790
−HK$1,027/mo
Today · 4.125%
HK$39,817
baseline
▲ 0.50% · 4.625%
HK$41,916
+HK$2,099/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$79,634/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,616
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,848
−HK$1,252/mo
Today · 4.125%
HK$42,100
baseline
▲ 0.50% · 4.625%
HK$44,662
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,200/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,073
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,255
−HK$1,199/mo
Today · 4.125%
HK$46,454
baseline
▲ 0.50% · 4.625%
HK$48,902
+HK$2,448/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,908/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,935
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,519
−HK$1,610/mo
Today · 4.125%
HK$54,129
baseline
▲ 0.50% · 4.625%
HK$57,423
+HK$3,294/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,258/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,665
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,184
−HK$1,542/mo
Today · 4.125%
HK$59,726
baseline
▲ 0.50% · 4.625%
HK$62,874
+HK$3,148/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,452/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,363 · Scale 2, in force from 26 Feb 2026)