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$28,290
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,169
−HK$895/mo
Today · 4.125%
HK$30,064
baseline
▲ 0.50% · 4.625%
HK$31,893
+HK$1,829/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,128/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,472
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,316
−HK$856/mo
Today · 4.125%
HK$33,172
baseline
▲ 0.50% · 4.625%
HK$34,921
+HK$1,749/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,344/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,947
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,003
−HK$1,073/mo
Today · 4.125%
HK$36,076
baseline
▲ 0.50% · 4.625%
HK$38,271
+HK$2,195/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$72,152/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,766
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,779
−HK$1,028/mo
Today · 4.125%
HK$39,807
baseline
▲ 0.50% · 4.625%
HK$41,905
+HK$2,098/mo
Deposit HK$4.96M · loan HK$7.44M · min. income ≈ HK$79,614/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,605
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,837
−HK$1,252/mo
Today · 4.125%
HK$42,089
baseline
▲ 0.50% · 4.625%
HK$44,650
+HK$2,561/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$84,178/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,061
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,242
−HK$1,199/mo
Today · 4.125%
HK$46,441
baseline
▲ 0.50% · 4.625%
HK$48,889
+HK$2,448/mo
Deposit HK$3.72M · loan HK$8.68M · min. income ≈ HK$92,882/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,921
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,505
−HK$1,609/mo
Today · 4.125%
HK$54,114
baseline
▲ 0.50% · 4.625%
HK$57,407
+HK$3,293/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,228/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,649
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,169
−HK$1,541/mo
Today · 4.125%
HK$59,710
baseline
▲ 0.50% · 4.625%
HK$62,857
+HK$3,147/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,420/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,236 · Scale 2, in force from 26 Feb 2026)