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$28,285
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,164
−HK$894/mo
Today · 4.125%
HK$30,058
baseline
▲ 0.50% · 4.625%
HK$31,887
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,116/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,466
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,310
−HK$856/mo
Today · 4.125%
HK$33,166
baseline
▲ 0.50% · 4.625%
HK$34,915
+HK$1,749/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,332/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,942
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,997
−HK$1,073/mo
Today · 4.125%
HK$36,070
baseline
▲ 0.50% · 4.625%
HK$38,265
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,140/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,760
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,772
−HK$1,028/mo
Today · 4.125%
HK$39,800
baseline
▲ 0.50% · 4.625%
HK$41,898
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,600/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,598
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,830
−HK$1,252/mo
Today · 4.125%
HK$42,082
baseline
▲ 0.50% · 4.625%
HK$44,642
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,164/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,053
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,234
−HK$1,199/mo
Today · 4.125%
HK$46,433
baseline
▲ 0.50% · 4.625%
HK$48,880
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,866/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,912
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,496
−HK$1,609/mo
Today · 4.125%
HK$54,105
baseline
▲ 0.50% · 4.625%
HK$57,397
+HK$3,292/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,210/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,639
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,158
−HK$1,541/mo
Today · 4.125%
HK$59,699
baseline
▲ 0.50% · 4.625%
HK$62,846
+HK$3,147/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,398/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,156 · Scale 2, in force from 26 Feb 2026)