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$28,232
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,111
−HK$892/mo
Today · 4.125%
HK$30,003
baseline
▲ 0.50% · 4.625%
HK$31,828
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,006/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,408
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,251
−HK$854/mo
Today · 4.125%
HK$33,105
baseline
▲ 0.50% · 4.625%
HK$34,850
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,210/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,879
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,933
−HK$1,070/mo
Today · 4.125%
HK$36,003
baseline
▲ 0.50% · 4.625%
HK$38,194
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,006/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,690
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,701
−HK$1,025/mo
Today · 4.125%
HK$39,726
baseline
▲ 0.50% · 4.625%
HK$41,820
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,452/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,525
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,755
−HK$1,249/mo
Today · 4.125%
HK$42,004
baseline
▲ 0.50% · 4.625%
HK$44,560
+HK$2,556/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$84,008/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,971
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,151
−HK$1,196/mo
Today · 4.125%
HK$46,347
baseline
▲ 0.50% · 4.625%
HK$48,790
+HK$2,443/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,694/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,818
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,399
−HK$1,606/mo
Today · 4.125%
HK$54,005
baseline
▲ 0.50% · 4.625%
HK$57,291
+HK$3,286/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$108,010/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,535
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,051
−HK$1,538/mo
Today · 4.125%
HK$59,589
baseline
▲ 0.50% · 4.625%
HK$62,730
+HK$3,141/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,178/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,296 · Scale 2, in force from 26 Feb 2026)