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$28,274
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,153
−HK$894/mo
Today · 4.125%
HK$30,047
baseline
▲ 0.50% · 4.625%
HK$31,875
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,094/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,454
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,298
−HK$856/mo
Today · 4.125%
HK$33,154
baseline
▲ 0.50% · 4.625%
HK$34,901
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,308/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,928
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,984
−HK$1,072/mo
Today · 4.125%
HK$36,056
baseline
▲ 0.50% · 4.625%
HK$38,250
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,112/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,745
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,757
−HK$1,027/mo
Today · 4.125%
HK$39,784
baseline
▲ 0.50% · 4.625%
HK$41,881
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,568/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,583
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,815
−HK$1,250/mo
Today · 4.125%
HK$42,065
baseline
▲ 0.50% · 4.625%
HK$44,625
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,130/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,036
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,217
−HK$1,198/mo
Today · 4.125%
HK$46,415
baseline
▲ 0.50% · 4.625%
HK$48,862
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,830/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,893
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,476
−HK$1,608/mo
Today · 4.125%
HK$54,084
baseline
▲ 0.50% · 4.625%
HK$57,375
+HK$3,291/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,168/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,618
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,136
−HK$1,541/mo
Today · 4.125%
HK$59,677
baseline
▲ 0.50% · 4.625%
HK$62,822
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,354/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,977 · Scale 2, in force from 26 Feb 2026)