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$28,240
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,118
−HK$893/mo
Today · 4.125%
HK$30,011
baseline
▲ 0.50% · 4.625%
HK$31,837
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,022/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,416
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,259
−HK$855/mo
Today · 4.125%
HK$33,114
baseline
▲ 0.50% · 4.625%
HK$34,859
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,228/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,888
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,942
−HK$1,071/mo
Today · 4.125%
HK$36,013
baseline
▲ 0.50% · 4.625%
HK$38,204
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,026/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,700
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,711
−HK$1,025/mo
Today · 4.125%
HK$39,736
baseline
▲ 0.50% · 4.625%
HK$41,831
+HK$2,095/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,472/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,536
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,765
−HK$1,250/mo
Today · 4.125%
HK$42,015
baseline
▲ 0.50% · 4.625%
HK$44,571
+HK$2,556/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,030/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,983
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,162
−HK$1,197/mo
Today · 4.125%
HK$46,359
baseline
▲ 0.50% · 4.625%
HK$48,803
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,718/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,831
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,413
−HK$1,606/mo
Today · 4.125%
HK$54,019
baseline
▲ 0.50% · 4.625%
HK$57,306
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,038/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,549
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,066
−HK$1,539/mo
Today · 4.125%
HK$59,605
baseline
▲ 0.50% · 4.625%
HK$62,746
+HK$3,141/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,210/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,416 · Scale 2, in force from 26 Feb 2026)