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$28,277
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,156
−HK$894/mo
Today · 4.125%
HK$30,050
baseline
▲ 0.50% · 4.625%
HK$31,879
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,100/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,458
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,301
−HK$856/mo
Today · 4.125%
HK$33,157
baseline
▲ 0.50% · 4.625%
HK$34,905
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,314/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,932
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,988
−HK$1,072/mo
Today · 4.125%
HK$36,060
baseline
▲ 0.50% · 4.625%
HK$38,254
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,120/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,749
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,762
−HK$1,027/mo
Today · 4.125%
HK$39,789
baseline
▲ 0.50% · 4.625%
HK$41,886
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,578/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,588
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,819
−HK$1,251/mo
Today · 4.125%
HK$42,070
baseline
▲ 0.50% · 4.625%
HK$44,630
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,140/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,041
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,222
−HK$1,198/mo
Today · 4.125%
HK$46,420
baseline
▲ 0.50% · 4.625%
HK$48,867
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,840/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,898
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,482
−HK$1,608/mo
Today · 4.125%
HK$54,090
baseline
▲ 0.50% · 4.625%
HK$57,381
+HK$3,291/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,180/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,624
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,143
−HK$1,540/mo
Today · 4.125%
HK$59,683
baseline
▲ 0.50% · 4.625%
HK$62,829
+HK$3,146/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,366/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,028 · Scale 2, in force from 26 Feb 2026)