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$28,270
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,149
−HK$893/mo
Today · 4.125%
HK$30,042
baseline
▲ 0.50% · 4.625%
HK$31,870
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,084/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,450
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,293
−HK$856/mo
Today · 4.125%
HK$33,149
baseline
▲ 0.50% · 4.625%
HK$34,896
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,298/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,924
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,979
−HK$1,072/mo
Today · 4.125%
HK$36,051
baseline
▲ 0.50% · 4.625%
HK$38,244
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,102/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,740
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,752
−HK$1,027/mo
Today · 4.125%
HK$39,779
baseline
▲ 0.50% · 4.625%
HK$41,875
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,558/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,577
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,809
−HK$1,250/mo
Today · 4.125%
HK$42,059
baseline
▲ 0.50% · 4.625%
HK$44,618
+HK$2,559/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,118/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,030
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,210
−HK$1,198/mo
Today · 4.125%
HK$46,408
baseline
▲ 0.50% · 4.625%
HK$48,855
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,816/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,885
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,468
−HK$1,608/mo
Today · 4.125%
HK$54,076
baseline
▲ 0.50% · 4.625%
HK$57,367
+HK$3,291/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,152/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,609
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,128
−HK$1,540/mo
Today · 4.125%
HK$59,668
baseline
▲ 0.50% · 4.625%
HK$62,813
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,336/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,909 · Scale 2, in force from 26 Feb 2026)