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$28,217
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,094
−HK$892/mo
Today · 4.125%
HK$29,986
baseline
▲ 0.50% · 4.625%
HK$31,811
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,972/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,391
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,233
−HK$854/mo
Today · 4.125%
HK$33,087
baseline
▲ 0.50% · 4.625%
HK$34,831
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,174/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,860
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,913
−HK$1,070/mo
Today · 4.125%
HK$35,983
baseline
▲ 0.50% · 4.625%
HK$38,173
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,966/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,669
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,679
−HK$1,025/mo
Today · 4.125%
HK$39,704
baseline
▲ 0.50% · 4.625%
HK$41,797
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,408/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,503
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,732
−HK$1,249/mo
Today · 4.125%
HK$41,981
baseline
▲ 0.50% · 4.625%
HK$44,535
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,962/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,947
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,126
−HK$1,195/mo
Today · 4.125%
HK$46,321
baseline
▲ 0.50% · 4.625%
HK$48,763
+HK$2,442/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,642/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,790
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,370
−HK$1,605/mo
Today · 4.125%
HK$53,975
baseline
▲ 0.50% · 4.625%
HK$57,259
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,950/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,503
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,019
−HK$1,537/mo
Today · 4.125%
HK$59,556
baseline
▲ 0.50% · 4.625%
HK$62,695
+HK$3,139/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,112/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,039 · Scale 2, in force from 26 Feb 2026)