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$28,278
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,158
−HK$893/mo
Today · 4.125%
HK$30,051
baseline
▲ 0.50% · 4.625%
HK$31,880
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,102/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,459
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,303
−HK$856/mo
Today · 4.125%
HK$33,159
baseline
▲ 0.50% · 4.625%
HK$34,906
+HK$1,747/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,318/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,933
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,989
−HK$1,072/mo
Today · 4.125%
HK$36,061
baseline
▲ 0.50% · 4.625%
HK$38,256
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,122/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,751
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,763
−HK$1,027/mo
Today · 4.125%
HK$39,790
baseline
▲ 0.50% · 4.625%
HK$41,888
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,580/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,589
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,821
−HK$1,251/mo
Today · 4.125%
HK$42,072
baseline
▲ 0.50% · 4.625%
HK$44,632
+HK$2,560/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,144/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,042
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,224
−HK$1,198/mo
Today · 4.125%
HK$46,422
baseline
▲ 0.50% · 4.625%
HK$48,869
+HK$2,447/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,844/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,900
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,484
−HK$1,608/mo
Today · 4.125%
HK$54,092
baseline
▲ 0.50% · 4.625%
HK$57,383
+HK$3,291/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$108,184/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,626
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,145
−HK$1,540/mo
Today · 4.125%
HK$59,685
baseline
▲ 0.50% · 4.625%
HK$62,831
+HK$3,146/mo
Deposit HK$1.24M · loan HK$11.16M · min. income ≈ HK$119,370/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,045 · Scale 2, in force from 26 Feb 2026)