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$28,216
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,093
−HK$892/mo
Today · 4.125%
HK$29,985
baseline
▲ 0.50% · 4.625%
HK$31,810
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,970/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,390
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,232
−HK$854/mo
Today · 4.125%
HK$33,086
baseline
▲ 0.50% · 4.625%
HK$34,830
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,172/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,859
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,912
−HK$1,070/mo
Today · 4.125%
HK$35,982
baseline
▲ 0.50% · 4.625%
HK$38,171
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,964/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,668
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,678
−HK$1,025/mo
Today · 4.125%
HK$39,703
baseline
▲ 0.50% · 4.625%
HK$41,795
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,406/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,502
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,731
−HK$1,248/mo
Today · 4.125%
HK$41,979
baseline
▲ 0.50% · 4.625%
HK$44,533
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,958/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,946
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,124
−HK$1,196/mo
Today · 4.125%
HK$46,320
baseline
▲ 0.50% · 4.625%
HK$48,761
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,640/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,788
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,368
−HK$1,605/mo
Today · 4.125%
HK$53,973
baseline
▲ 0.50% · 4.625%
HK$57,257
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,946/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,501
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,017
−HK$1,537/mo
Today · 4.125%
HK$59,554
baseline
▲ 0.50% · 4.625%
HK$62,693
+HK$3,139/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,108/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,022 · Scale 2, in force from 26 Feb 2026)