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$28,268
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,148
−HK$893/mo
Today · 4.125%
HK$30,041
baseline
▲ 0.50% · 4.625%
HK$31,869
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,082/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,448
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,292
−HK$855/mo
Today · 4.125%
HK$33,147
baseline
▲ 0.50% · 4.625%
HK$34,894
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,294/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,922
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,977
−HK$1,072/mo
Today · 4.125%
HK$36,049
baseline
▲ 0.50% · 4.625%
HK$38,243
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,098/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,738
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,750
−HK$1,027/mo
Today · 4.125%
HK$39,777
baseline
▲ 0.50% · 4.625%
HK$41,873
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,554/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,576
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,807
−HK$1,250/mo
Today · 4.125%
HK$42,057
baseline
▲ 0.50% · 4.625%
HK$44,616
+HK$2,559/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,114/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,027
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,208
−HK$1,198/mo
Today · 4.125%
HK$46,406
baseline
▲ 0.50% · 4.625%
HK$48,852
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,812/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,883
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,466
−HK$1,608/mo
Today · 4.125%
HK$54,074
baseline
▲ 0.50% · 4.625%
HK$57,364
+HK$3,290/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,148/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,607
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,125
−HK$1,540/mo
Today · 4.125%
HK$59,665
baseline
▲ 0.50% · 4.625%
HK$62,810
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,330/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,886 · Scale 2, in force from 26 Feb 2026)