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$28,087
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,960
−HK$888/mo
Today · 4.125%
HK$29,848
baseline
▲ 0.50% · 4.625%
HK$31,664
+HK$1,816/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,696/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,246
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,084
−HK$850/mo
Today · 4.125%
HK$32,934
baseline
▲ 0.50% · 4.625%
HK$34,670
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,868/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,704
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,752
−HK$1,066/mo
Today · 4.125%
HK$35,818
baseline
▲ 0.50% · 4.625%
HK$37,997
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,636/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,495
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,501
−HK$1,020/mo
Today · 4.125%
HK$39,521
baseline
▲ 0.50% · 4.625%
HK$41,604
+HK$2,083/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,042/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,321
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,544
−HK$1,243/mo
Today · 4.125%
HK$41,787
baseline
▲ 0.50% · 4.625%
HK$44,330
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,574/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,745
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,918
−HK$1,190/mo
Today · 4.125%
HK$46,108
baseline
▲ 0.50% · 4.625%
HK$48,538
+HK$2,430/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,216/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,556
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,129
−HK$1,597/mo
Today · 4.125%
HK$53,726
baseline
▲ 0.50% · 4.625%
HK$56,995
+HK$3,269/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,452/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,243
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,751
−HK$1,531/mo
Today · 4.125%
HK$59,282
baseline
▲ 0.50% · 4.625%
HK$62,406
+HK$3,124/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,564/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,900 · Scale 2, in force from 26 Feb 2026)