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$29,160
−HK$894/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$465,089 · 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$465,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,937
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,992
−HK$1,073/mo
Today · 4.125%
HK$36,065
baseline
▲ 0.50% · 4.625%
HK$38,259
+HK$2,194/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$465,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,754
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,767
−HK$1,027/mo
Today · 4.125%
HK$39,794
baseline
▲ 0.50% · 4.625%
HK$41,892
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,588/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,593
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,824
−HK$1,252/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$465,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,047
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,228
−HK$1,198/mo
Today · 4.125%
HK$46,426
baseline
▲ 0.50% · 4.625%
HK$48,873
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,852/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,905
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,488
−HK$1,609/mo
Today · 4.125%
HK$54,097
baseline
▲ 0.50% · 4.625%
HK$57,389
+HK$3,292/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,194/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,631
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,150
−HK$1,541/mo
Today · 4.125%
HK$59,691
baseline
▲ 0.50% · 4.625%
HK$62,837
+HK$3,146/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,382/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,089 · Scale 2, in force from 26 Feb 2026)