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$28,265
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,144
−HK$894/mo
Today · 4.125%
HK$30,038
baseline
▲ 0.50% · 4.625%
HK$31,865
+HK$1,827/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,076/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,445
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,288
−HK$855/mo
Today · 4.125%
HK$33,143
baseline
▲ 0.50% · 4.625%
HK$34,891
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,286/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,918
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,973
−HK$1,072/mo
Today · 4.125%
HK$36,045
baseline
▲ 0.50% · 4.625%
HK$38,238
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,090/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,734
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,746
−HK$1,026/mo
Today · 4.125%
HK$39,772
baseline
▲ 0.50% · 4.625%
HK$41,869
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,544/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,571
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,802
−HK$1,251/mo
Today · 4.125%
HK$42,053
baseline
▲ 0.50% · 4.625%
HK$44,611
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,106/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,022
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,203
−HK$1,198/mo
Today · 4.125%
HK$46,401
baseline
▲ 0.50% · 4.625%
HK$48,847
+HK$2,446/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,802/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,877
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,460
−HK$1,608/mo
Today · 4.125%
HK$54,068
baseline
▲ 0.50% · 4.625%
HK$57,357
+HK$3,289/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,136/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,600
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,118
−HK$1,540/mo
Today · 4.125%
HK$59,658
baseline
▲ 0.50% · 4.625%
HK$62,803
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,316/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,834 · Scale 2, in force from 26 Feb 2026)