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$28,223
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,101
−HK$892/mo
Today · 4.125%
HK$29,993
baseline
▲ 0.50% · 4.625%
HK$31,818
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,986/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,398
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,240
−HK$854/mo
Today · 4.125%
HK$33,094
baseline
▲ 0.50% · 4.625%
HK$34,839
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,188/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,868
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,921
−HK$1,071/mo
Today · 4.125%
HK$35,992
baseline
▲ 0.50% · 4.625%
HK$38,182
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$71,984/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,678
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,688
−HK$1,025/mo
Today · 4.125%
HK$39,713
baseline
▲ 0.50% · 4.625%
HK$41,807
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,426/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,512
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,741
−HK$1,249/mo
Today · 4.125%
HK$41,990
baseline
▲ 0.50% · 4.625%
HK$44,545
+HK$2,555/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,980/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,957
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,136
−HK$1,196/mo
Today · 4.125%
HK$46,332
baseline
▲ 0.50% · 4.625%
HK$48,774
+HK$2,442/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,664/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,802
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,382
−HK$1,605/mo
Today · 4.125%
HK$53,987
baseline
▲ 0.50% · 4.625%
HK$57,272
+HK$3,285/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,974/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,516
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,032
−HK$1,538/mo
Today · 4.125%
HK$59,570
baseline
▲ 0.50% · 4.625%
HK$62,710
+HK$3,140/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,140/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,145 · Scale 2, in force from 26 Feb 2026)