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$28,239
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,117
−HK$892/mo
Today · 4.125%
HK$30,009
baseline
▲ 0.50% · 4.625%
HK$31,835
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,018/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,415
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,258
−HK$854/mo
Today · 4.125%
HK$33,112
baseline
▲ 0.50% · 4.625%
HK$34,858
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,224/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,886
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,940
−HK$1,071/mo
Today · 4.125%
HK$36,011
baseline
▲ 0.50% · 4.625%
HK$38,203
+HK$2,192/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,022/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,698
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,709
−HK$1,026/mo
Today · 4.125%
HK$39,735
baseline
▲ 0.50% · 4.625%
HK$41,829
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,470/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,534
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,764
−HK$1,249/mo
Today · 4.125%
HK$42,013
baseline
▲ 0.50% · 4.625%
HK$44,570
+HK$2,557/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,026/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,981
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,161
−HK$1,196/mo
Today · 4.125%
HK$46,357
baseline
▲ 0.50% · 4.625%
HK$48,801
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,714/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,830
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,411
−HK$1,606/mo
Today · 4.125%
HK$54,017
baseline
▲ 0.50% · 4.625%
HK$57,304
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,034/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,547
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,064
−HK$1,538/mo
Today · 4.125%
HK$59,602
baseline
▲ 0.50% · 4.625%
HK$62,744
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,204/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,399 · Scale 2, in force from 26 Feb 2026)