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$28,227
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,105
−HK$892/mo
Today · 4.125%
HK$29,997
baseline
▲ 0.50% · 4.625%
HK$31,822
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,994/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,402
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,245
−HK$854/mo
Today · 4.125%
HK$33,099
baseline
▲ 0.50% · 4.625%
HK$34,844
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,198/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,872
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,926
−HK$1,071/mo
Today · 4.125%
HK$35,997
baseline
▲ 0.50% · 4.625%
HK$38,187
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$71,994/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,683
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,693
−HK$1,026/mo
Today · 4.125%
HK$39,719
baseline
▲ 0.50% · 4.625%
HK$41,812
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,438/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,518
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,747
−HK$1,249/mo
Today · 4.125%
HK$41,996
baseline
▲ 0.50% · 4.625%
HK$44,551
+HK$2,555/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$83,992/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,963
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,142
−HK$1,196/mo
Today · 4.125%
HK$46,338
baseline
▲ 0.50% · 4.625%
HK$48,781
+HK$2,443/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,676/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,809
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,389
−HK$1,606/mo
Today · 4.125%
HK$53,995
baseline
▲ 0.50% · 4.625%
HK$57,280
+HK$3,285/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,990/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,524
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,040
−HK$1,538/mo
Today · 4.125%
HK$59,578
baseline
▲ 0.50% · 4.625%
HK$62,718
+HK$3,140/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,156/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,209 · Scale 2, in force from 26 Feb 2026)