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$28,278
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,158
−HK$894/mo
Today · 4.125%
HK$30,052
baseline
▲ 0.50% · 4.625%
HK$31,880
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,104/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,459
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,303
−HK$856/mo
Today · 4.125%
HK$33,159
baseline
▲ 0.50% · 4.625%
HK$34,907
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,318/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,934
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,990
−HK$1,072/mo
Today · 4.125%
HK$36,062
baseline
▲ 0.50% · 4.625%
HK$38,256
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,124/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,751
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,764
−HK$1,027/mo
Today · 4.125%
HK$39,791
baseline
▲ 0.50% · 4.625%
HK$41,888
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,582/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,590
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,821
−HK$1,251/mo
Today · 4.125%
HK$42,072
baseline
▲ 0.50% · 4.625%
HK$44,632
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,144/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,043
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,224
−HK$1,199/mo
Today · 4.125%
HK$46,423
baseline
▲ 0.50% · 4.625%
HK$48,870
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,846/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,901
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,485
−HK$1,608/mo
Today · 4.125%
HK$54,093
baseline
▲ 0.50% · 4.625%
HK$57,385
+HK$3,292/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,186/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,627
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,146
−HK$1,540/mo
Today · 4.125%
HK$59,686
baseline
▲ 0.50% · 4.625%
HK$62,833
+HK$3,147/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,372/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,054 · Scale 2, in force from 26 Feb 2026)