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$28,273
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,152
−HK$894/mo
Today · 4.125%
HK$30,046
baseline
▲ 0.50% · 4.625%
HK$31,874
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,092/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,453
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,297
−HK$856/mo
Today · 4.125%
HK$33,153
baseline
▲ 0.50% · 4.625%
HK$34,900
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,306/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,928
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,983
−HK$1,072/mo
Today · 4.125%
HK$36,055
baseline
▲ 0.50% · 4.625%
HK$38,249
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,110/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,744
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,756
−HK$1,027/mo
Today · 4.125%
HK$39,783
baseline
▲ 0.50% · 4.625%
HK$41,880
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,566/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,582
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,813
−HK$1,251/mo
Today · 4.125%
HK$42,064
baseline
▲ 0.50% · 4.625%
HK$44,624
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,128/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,035
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,216
−HK$1,198/mo
Today · 4.125%
HK$46,414
baseline
▲ 0.50% · 4.625%
HK$48,860
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,828/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,891
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,474
−HK$1,609/mo
Today · 4.125%
HK$54,083
baseline
▲ 0.50% · 4.625%
HK$57,373
+HK$3,290/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,166/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,616
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,135
−HK$1,540/mo
Today · 4.125%
HK$59,675
baseline
▲ 0.50% · 4.625%
HK$62,820
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,350/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,964 · Scale 2, in force from 26 Feb 2026)