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$28,218
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,095
−HK$892/mo
Today · 4.125%
HK$29,987
baseline
▲ 0.50% · 4.625%
HK$31,812
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,974/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,392
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,234
−HK$854/mo
Today · 4.125%
HK$33,088
baseline
▲ 0.50% · 4.625%
HK$34,832
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,176/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,861
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,914
−HK$1,070/mo
Today · 4.125%
HK$35,984
baseline
▲ 0.50% · 4.625%
HK$38,174
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,968/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,670
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,680
−HK$1,025/mo
Today · 4.125%
HK$39,705
baseline
▲ 0.50% · 4.625%
HK$41,798
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,410/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,505
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,733
−HK$1,249/mo
Today · 4.125%
HK$41,982
baseline
▲ 0.50% · 4.625%
HK$44,536
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,964/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,948
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,127
−HK$1,196/mo
Today · 4.125%
HK$46,323
baseline
▲ 0.50% · 4.625%
HK$48,764
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,646/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,792
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,371
−HK$1,606/mo
Today · 4.125%
HK$53,977
baseline
▲ 0.50% · 4.625%
HK$57,261
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,954/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,505
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,020
−HK$1,538/mo
Today · 4.125%
HK$59,558
baseline
▲ 0.50% · 4.625%
HK$62,697
+HK$3,139/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,116/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,052 · Scale 2, in force from 26 Feb 2026)