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$28,247
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,125
−HK$893/mo
Today · 4.125%
HK$30,018
baseline
▲ 0.50% · 4.625%
HK$31,845
+HK$1,827/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,036/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,424
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,267
−HK$855/mo
Today · 4.125%
HK$33,122
baseline
▲ 0.50% · 4.625%
HK$34,868
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,244/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,896
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,950
−HK$1,072/mo
Today · 4.125%
HK$36,022
baseline
▲ 0.50% · 4.625%
HK$38,213
+HK$2,191/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$72,044/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,709
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,720
−HK$1,026/mo
Today · 4.125%
HK$39,746
baseline
▲ 0.50% · 4.625%
HK$41,841
+HK$2,095/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$79,492/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,545
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,775
−HK$1,250/mo
Today · 4.125%
HK$42,025
baseline
▲ 0.50% · 4.625%
HK$44,582
+HK$2,557/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,050/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,994
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,174
−HK$1,197/mo
Today · 4.125%
HK$46,371
baseline
▲ 0.50% · 4.625%
HK$48,815
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,742/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,844
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,426
−HK$1,606/mo
Today · 4.125%
HK$54,032
baseline
▲ 0.50% · 4.625%
HK$57,320
+HK$3,288/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,064/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,563
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,080
−HK$1,539/mo
Today · 4.125%
HK$59,619
baseline
▲ 0.50% · 4.625%
HK$62,762
+HK$3,143/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,238/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,532 · Scale 2, in force from 26 Feb 2026)