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$28,240
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,119
−HK$892/mo
Today · 4.125%
HK$30,011
baseline
▲ 0.50% · 4.625%
HK$31,837
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,022/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,417
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,260
−HK$855/mo
Today · 4.125%
HK$33,115
baseline
▲ 0.50% · 4.625%
HK$34,860
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,230/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,888
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,943
−HK$1,071/mo
Today · 4.125%
HK$36,014
baseline
▲ 0.50% · 4.625%
HK$38,205
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,028/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,701
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,712
−HK$1,025/mo
Today · 4.125%
HK$39,737
baseline
▲ 0.50% · 4.625%
HK$41,832
+HK$2,095/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,474/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,537
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,766
−HK$1,250/mo
Today · 4.125%
HK$42,016
baseline
▲ 0.50% · 4.625%
HK$44,572
+HK$2,556/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,032/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,984
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,164
−HK$1,196/mo
Today · 4.125%
HK$46,360
baseline
▲ 0.50% · 4.625%
HK$48,804
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,720/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,833
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,414
−HK$1,606/mo
Today · 4.125%
HK$54,020
baseline
▲ 0.50% · 4.625%
HK$57,307
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,040/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,551
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,068
−HK$1,538/mo
Today · 4.125%
HK$59,606
baseline
▲ 0.50% · 4.625%
HK$62,748
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,212/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,428 · Scale 2, in force from 26 Feb 2026)