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$1,774/mo
▼ 0.25% · 3.875%
HK$29,157
−HK$894/mo
Today · 4.125%
HK$30,051
baseline
▲ 0.50% · 4.625%
HK$31,879
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,102/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,458
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,302
−HK$856/mo
Today · 4.125%
HK$33,158
baseline
▲ 0.50% · 4.625%
HK$34,906
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,316/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,933
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,988
−HK$1,073/mo
Today · 4.125%
HK$36,061
baseline
▲ 0.50% · 4.625%
HK$38,255
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,122/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,750
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,762
−HK$1,027/mo
Today · 4.125%
HK$39,789
baseline
▲ 0.50% · 4.625%
HK$41,887
+HK$2,098/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$465,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,588
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,820
−HK$1,251/mo
Today · 4.125%
HK$42,071
baseline
▲ 0.50% · 4.625%
HK$44,631
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,142/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,042
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,223
−HK$1,198/mo
Today · 4.125%
HK$46,421
baseline
▲ 0.50% · 4.625%
HK$48,868
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,842/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,899
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,482
−HK$1,609/mo
Today · 4.125%
HK$54,091
baseline
▲ 0.50% · 4.625%
HK$57,382
+HK$3,291/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,182/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,625
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,144
−HK$1,540/mo
Today · 4.125%
HK$59,684
baseline
▲ 0.50% · 4.625%
HK$62,830
+HK$3,146/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,368/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,036 · Scale 2, in force from 26 Feb 2026)