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$28,265
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,144
−HK$893/mo
Today · 4.125%
HK$30,037
baseline
▲ 0.50% · 4.625%
HK$31,865
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,074/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,444
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,287
−HK$856/mo
Today · 4.125%
HK$33,143
baseline
▲ 0.50% · 4.625%
HK$34,890
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,286/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,918
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,973
−HK$1,071/mo
Today · 4.125%
HK$36,044
baseline
▲ 0.50% · 4.625%
HK$38,238
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,088/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,733
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,745
−HK$1,027/mo
Today · 4.125%
HK$39,772
baseline
▲ 0.50% · 4.625%
HK$41,868
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,544/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,570
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,801
−HK$1,251/mo
Today · 4.125%
HK$42,052
baseline
▲ 0.50% · 4.625%
HK$44,611
+HK$2,559/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,104/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,022
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,202
−HK$1,198/mo
Today · 4.125%
HK$46,400
baseline
▲ 0.50% · 4.625%
HK$48,846
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,800/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,876
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,459
−HK$1,608/mo
Today · 4.125%
HK$54,067
baseline
▲ 0.50% · 4.625%
HK$57,357
+HK$3,290/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,134/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,599
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,117
−HK$1,540/mo
Today · 4.125%
HK$59,657
baseline
▲ 0.50% · 4.625%
HK$62,802
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,314/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,827 · Scale 2, in force from 26 Feb 2026)