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$28,260
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,139
−HK$893/mo
Today · 4.125%
HK$30,032
baseline
▲ 0.50% · 4.625%
HK$31,860
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,064/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,439
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,282
−HK$856/mo
Today · 4.125%
HK$33,138
baseline
▲ 0.50% · 4.625%
HK$34,884
+HK$1,746/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,276/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,912
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,967
−HK$1,072/mo
Today · 4.125%
HK$36,039
baseline
▲ 0.50% · 4.625%
HK$38,232
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,078/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,727
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,739
−HK$1,026/mo
Today · 4.125%
HK$39,765
baseline
▲ 0.50% · 4.625%
HK$41,861
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,530/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,564
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,795
−HK$1,250/mo
Today · 4.125%
HK$42,045
baseline
▲ 0.50% · 4.625%
HK$44,604
+HK$2,559/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,090/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,015
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,195
−HK$1,198/mo
Today · 4.125%
HK$46,393
baseline
▲ 0.50% · 4.625%
HK$48,838
+HK$2,445/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,786/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,868
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,450
−HK$1,608/mo
Today · 4.125%
HK$54,058
baseline
▲ 0.50% · 4.625%
HK$57,347
+HK$3,289/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,116/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,590
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,108
−HK$1,540/mo
Today · 4.125%
HK$59,648
baseline
▲ 0.50% · 4.625%
HK$62,792
+HK$3,144/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,296/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,753 · Scale 2, in force from 26 Feb 2026)