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$28,279
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,159
−HK$893/mo
Today · 4.125%
HK$30,052
baseline
▲ 0.50% · 4.625%
HK$31,881
+HK$1,829/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$465,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,460
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,304
−HK$856/mo
Today · 4.125%
HK$33,160
baseline
▲ 0.50% · 4.625%
HK$34,908
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,320/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,935
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,990
−HK$1,073/mo
Today · 4.125%
HK$36,063
baseline
▲ 0.50% · 4.625%
HK$38,257
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,126/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,752
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,764
−HK$1,028/mo
Today · 4.125%
HK$39,792
baseline
▲ 0.50% · 4.625%
HK$41,889
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,584/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,590
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,822
−HK$1,251/mo
Today · 4.125%
HK$42,073
baseline
▲ 0.50% · 4.625%
HK$44,633
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,146/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,044
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,225
−HK$1,199/mo
Today · 4.125%
HK$46,424
baseline
▲ 0.50% · 4.625%
HK$48,871
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,848/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,902
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,485
−HK$1,609/mo
Today · 4.125%
HK$54,094
baseline
▲ 0.50% · 4.625%
HK$57,385
+HK$3,291/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,188/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,628
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,147
−HK$1,540/mo
Today · 4.125%
HK$59,687
baseline
▲ 0.50% · 4.625%
HK$62,834
+HK$3,147/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,374/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,061 · Scale 2, in force from 26 Feb 2026)