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$28,271
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,151
−HK$893/mo
Today · 4.125%
HK$30,044
baseline
▲ 0.50% · 4.625%
HK$31,872
+HK$1,828/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,088/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,452
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,295
−HK$856/mo
Today · 4.125%
HK$33,151
baseline
▲ 0.50% · 4.625%
HK$34,898
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,302/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,926
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,981
−HK$1,072/mo
Today · 4.125%
HK$36,053
baseline
▲ 0.50% · 4.625%
HK$38,247
+HK$2,194/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,106/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,742
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,754
−HK$1,027/mo
Today · 4.125%
HK$39,781
baseline
▲ 0.50% · 4.625%
HK$41,878
+HK$2,097/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,562/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,580
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,811
−HK$1,251/mo
Today · 4.125%
HK$42,062
baseline
▲ 0.50% · 4.625%
HK$44,621
+HK$2,559/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,124/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,032
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,213
−HK$1,198/mo
Today · 4.125%
HK$46,411
baseline
▲ 0.50% · 4.625%
HK$48,858
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,822/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,889
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,471
−HK$1,609/mo
Today · 4.125%
HK$54,080
baseline
▲ 0.50% · 4.625%
HK$57,370
+HK$3,290/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,160/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,613
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,131
−HK$1,541/mo
Today · 4.125%
HK$59,672
baseline
▲ 0.50% · 4.625%
HK$62,817
+HK$3,145/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,344/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,938 · Scale 2, in force from 26 Feb 2026)