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$28,272
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,152
−HK$893/mo
Today · 4.125%
HK$30,045
baseline
▲ 0.50% · 4.625%
HK$31,874
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,090/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,453
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,296
−HK$856/mo
Today · 4.125%
HK$33,152
baseline
▲ 0.50% · 4.625%
HK$34,900
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,304/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,927
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,982
−HK$1,072/mo
Today · 4.125%
HK$36,054
baseline
▲ 0.50% · 4.625%
HK$38,248
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,108/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,743
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,756
−HK$1,026/mo
Today · 4.125%
HK$39,782
baseline
▲ 0.50% · 4.625%
HK$41,879
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,564/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,581
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,813
−HK$1,250/mo
Today · 4.125%
HK$42,063
baseline
▲ 0.50% · 4.625%
HK$44,623
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,126/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,034
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,215
−HK$1,198/mo
Today · 4.125%
HK$46,413
baseline
▲ 0.50% · 4.625%
HK$48,859
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,826/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,890
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,473
−HK$1,609/mo
Today · 4.125%
HK$54,082
baseline
▲ 0.50% · 4.625%
HK$57,372
+HK$3,290/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,164/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,615
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,133
−HK$1,541/mo
Today · 4.125%
HK$59,674
baseline
▲ 0.50% · 4.625%
HK$62,819
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,348/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,955 · Scale 2, in force from 26 Feb 2026)