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$28,263
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,142
−HK$893/mo
Today · 4.125%
HK$30,035
baseline
▲ 0.50% · 4.625%
HK$31,863
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,070/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,442
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,286
−HK$855/mo
Today · 4.125%
HK$33,141
baseline
▲ 0.50% · 4.625%
HK$34,888
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,282/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,916
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,971
−HK$1,072/mo
Today · 4.125%
HK$36,043
baseline
▲ 0.50% · 4.625%
HK$38,236
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,086/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,731
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,743
−HK$1,026/mo
Today · 4.125%
HK$39,769
baseline
▲ 0.50% · 4.625%
HK$41,866
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,538/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,568
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,799
−HK$1,251/mo
Today · 4.125%
HK$42,050
baseline
▲ 0.50% · 4.625%
HK$44,608
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,100/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,019
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,200
−HK$1,198/mo
Today · 4.125%
HK$46,398
baseline
▲ 0.50% · 4.625%
HK$48,843
+HK$2,445/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,796/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,874
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,456
−HK$1,608/mo
Today · 4.125%
HK$54,064
baseline
▲ 0.50% · 4.625%
HK$57,354
+HK$3,290/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,128/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,596
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,114
−HK$1,540/mo
Today · 4.125%
HK$59,654
baseline
▲ 0.50% · 4.625%
HK$62,799
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,308/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,802 · Scale 2, in force from 26 Feb 2026)