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$28,281
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,161
−HK$893/mo
Today · 4.125%
HK$30,054
baseline
▲ 0.50% · 4.625%
HK$31,883
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,108/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,462
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,306
−HK$856/mo
Today · 4.125%
HK$33,162
baseline
▲ 0.50% · 4.625%
HK$34,910
+HK$1,748/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,324/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,937
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,993
−HK$1,072/mo
Today · 4.125%
HK$36,065
baseline
▲ 0.50% · 4.625%
HK$38,260
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,130/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,755
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,767
−HK$1,028/mo
Today · 4.125%
HK$39,795
baseline
▲ 0.50% · 4.625%
HK$41,892
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,590/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,593
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,825
−HK$1,251/mo
Today · 4.125%
HK$42,076
baseline
▲ 0.50% · 4.625%
HK$44,636
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,152/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,047
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,229
−HK$1,198/mo
Today · 4.125%
HK$46,427
baseline
▲ 0.50% · 4.625%
HK$48,874
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,854/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,906
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,489
−HK$1,609/mo
Today · 4.125%
HK$54,098
baseline
▲ 0.50% · 4.625%
HK$57,390
+HK$3,292/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,196/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,632
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,151
−HK$1,541/mo
Today · 4.125%
HK$59,692
baseline
▲ 0.50% · 4.625%
HK$62,838
+HK$3,146/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,384/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,096 · Scale 2, in force from 26 Feb 2026)