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$28,255
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,134
−HK$893/mo
Today · 4.125%
HK$30,027
baseline
▲ 0.50% · 4.625%
HK$31,854
+HK$1,827/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,054/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,433
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,276
−HK$855/mo
Today · 4.125%
HK$33,131
baseline
▲ 0.50% · 4.625%
HK$34,878
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,262/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,906
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,960
−HK$1,072/mo
Today · 4.125%
HK$36,032
baseline
▲ 0.50% · 4.625%
HK$38,224
+HK$2,192/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$72,064/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,720
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,731
−HK$1,027/mo
Today · 4.125%
HK$39,758
baseline
▲ 0.50% · 4.625%
HK$41,853
+HK$2,095/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$79,516/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,557
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,787
−HK$1,250/mo
Today · 4.125%
HK$42,037
baseline
▲ 0.50% · 4.625%
HK$44,595
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,074/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,006
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,187
−HK$1,197/mo
Today · 4.125%
HK$46,384
baseline
▲ 0.50% · 4.625%
HK$48,829
+HK$2,445/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,768/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,859
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,441
−HK$1,607/mo
Today · 4.125%
HK$54,048
baseline
▲ 0.50% · 4.625%
HK$57,337
+HK$3,289/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,096/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,580
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,097
−HK$1,540/mo
Today · 4.125%
HK$59,637
baseline
▲ 0.50% · 4.625%
HK$62,780
+HK$3,143/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,274/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,665 · Scale 2, in force from 26 Feb 2026)