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$28,272
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,151
−HK$894/mo
Today · 4.125%
HK$30,045
baseline
▲ 0.50% · 4.625%
HK$31,873
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,090/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,452
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,296
−HK$855/mo
Today · 4.125%
HK$33,151
baseline
▲ 0.50% · 4.625%
HK$34,899
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,302/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,926
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,981
−HK$1,073/mo
Today · 4.125%
HK$36,054
baseline
▲ 0.50% · 4.625%
HK$38,247
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,108/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,742
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,755
−HK$1,026/mo
Today · 4.125%
HK$39,781
baseline
▲ 0.50% · 4.625%
HK$41,878
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,562/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,580
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,812
−HK$1,250/mo
Today · 4.125%
HK$42,062
baseline
▲ 0.50% · 4.625%
HK$44,622
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,124/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,033
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,214
−HK$1,198/mo
Today · 4.125%
HK$46,412
baseline
▲ 0.50% · 4.625%
HK$48,858
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,824/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,889
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,472
−HK$1,608/mo
Today · 4.125%
HK$54,080
baseline
▲ 0.50% · 4.625%
HK$57,371
+HK$3,291/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,160/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,614
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,132
−HK$1,540/mo
Today · 4.125%
HK$59,672
baseline
▲ 0.50% · 4.625%
HK$62,818
+HK$3,146/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,344/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,943 · Scale 2, in force from 26 Feb 2026)