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$28,226
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,104
−HK$892/mo
Today · 4.125%
HK$29,996
baseline
▲ 0.50% · 4.625%
HK$31,822
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,992/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,402
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,244
−HK$854/mo
Today · 4.125%
HK$33,098
baseline
▲ 0.50% · 4.625%
HK$34,843
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,196/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,872
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,925
−HK$1,071/mo
Today · 4.125%
HK$35,996
baseline
▲ 0.50% · 4.625%
HK$38,186
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$71,992/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,682
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,693
−HK$1,025/mo
Today · 4.125%
HK$39,718
baseline
▲ 0.50% · 4.625%
HK$41,811
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,436/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,517
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,746
−HK$1,249/mo
Today · 4.125%
HK$41,995
baseline
▲ 0.50% · 4.625%
HK$44,550
+HK$2,555/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$83,990/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,962
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,141
−HK$1,196/mo
Today · 4.125%
HK$46,337
baseline
▲ 0.50% · 4.625%
HK$48,780
+HK$2,443/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,674/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,808
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,388
−HK$1,606/mo
Today · 4.125%
HK$53,994
baseline
▲ 0.50% · 4.625%
HK$57,279
+HK$3,285/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,988/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,523
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,039
−HK$1,538/mo
Today · 4.125%
HK$59,577
baseline
▲ 0.50% · 4.625%
HK$62,717
+HK$3,140/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,154/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,199 · Scale 2, in force from 26 Feb 2026)