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$28,209
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,086
−HK$891/mo
Today · 4.125%
HK$29,977
baseline
▲ 0.50% · 4.625%
HK$31,802
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,954/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,382
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,223
−HK$854/mo
Today · 4.125%
HK$33,077
baseline
▲ 0.50% · 4.625%
HK$34,821
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,154/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,850
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,903
−HK$1,070/mo
Today · 4.125%
HK$35,973
baseline
▲ 0.50% · 4.625%
HK$38,162
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,946/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,658
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,668
−HK$1,025/mo
Today · 4.125%
HK$39,693
baseline
▲ 0.50% · 4.625%
HK$41,785
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,386/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,492
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,720
−HK$1,248/mo
Today · 4.125%
HK$41,968
baseline
▲ 0.50% · 4.625%
HK$44,522
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,936/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,934
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,113
−HK$1,195/mo
Today · 4.125%
HK$46,308
baseline
▲ 0.50% · 4.625%
HK$48,749
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,616/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,775
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,355
−HK$1,604/mo
Today · 4.125%
HK$53,959
baseline
▲ 0.50% · 4.625%
HK$57,243
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,918/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,487
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,002
−HK$1,537/mo
Today · 4.125%
HK$59,539
baseline
▲ 0.50% · 4.625%
HK$62,677
+HK$3,138/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,078/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,905 · Scale 2, in force from 26 Feb 2026)