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$28,260
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,139
−HK$893/mo
Today · 4.125%
HK$30,032
baseline
▲ 0.50% · 4.625%
HK$31,859
+HK$1,827/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,064/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,439
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,282
−HK$855/mo
Today · 4.125%
HK$33,137
baseline
▲ 0.50% · 4.625%
HK$34,884
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,274/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,912
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,967
−HK$1,071/mo
Today · 4.125%
HK$36,038
baseline
▲ 0.50% · 4.625%
HK$38,231
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,076/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,727
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,738
−HK$1,027/mo
Today · 4.125%
HK$39,765
baseline
▲ 0.50% · 4.625%
HK$41,861
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,530/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,564
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,794
−HK$1,251/mo
Today · 4.125%
HK$42,045
baseline
▲ 0.50% · 4.625%
HK$44,603
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,090/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,014
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,195
−HK$1,197/mo
Today · 4.125%
HK$46,392
baseline
▲ 0.50% · 4.625%
HK$48,838
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,784/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,868
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,450
−HK$1,608/mo
Today · 4.125%
HK$54,058
baseline
▲ 0.50% · 4.625%
HK$57,347
+HK$3,289/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,116/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,590
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,107
−HK$1,540/mo
Today · 4.125%
HK$59,647
baseline
▲ 0.50% · 4.625%
HK$62,791
+HK$3,144/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,294/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,748 · Scale 2, in force from 26 Feb 2026)