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$28,237
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,115
−HK$892/mo
Today · 4.125%
HK$30,007
baseline
▲ 0.50% · 4.625%
HK$31,833
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,014/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,413
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,256
−HK$854/mo
Today · 4.125%
HK$33,110
baseline
▲ 0.50% · 4.625%
HK$34,856
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,220/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,884
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,938
−HK$1,071/mo
Today · 4.125%
HK$36,009
baseline
▲ 0.50% · 4.625%
HK$38,200
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,018/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,696
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,707
−HK$1,025/mo
Today · 4.125%
HK$39,732
baseline
▲ 0.50% · 4.625%
HK$41,827
+HK$2,095/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,464/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,531
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,761
−HK$1,249/mo
Today · 4.125%
HK$42,010
baseline
▲ 0.50% · 4.625%
HK$44,567
+HK$2,557/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$84,020/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,978
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,158
−HK$1,196/mo
Today · 4.125%
HK$46,354
baseline
▲ 0.50% · 4.625%
HK$48,798
+HK$2,444/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,708/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,826
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,407
−HK$1,606/mo
Today · 4.125%
HK$54,013
baseline
▲ 0.50% · 4.625%
HK$57,300
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$108,026/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,544
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,060
−HK$1,538/mo
Today · 4.125%
HK$59,598
baseline
▲ 0.50% · 4.625%
HK$62,740
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,196/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,368 · Scale 2, in force from 26 Feb 2026)