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$28,253
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,132
−HK$892/mo
Today · 4.125%
HK$30,024
baseline
▲ 0.50% · 4.625%
HK$31,851
+HK$1,827/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,048/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,431
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,274
−HK$855/mo
Today · 4.125%
HK$33,129
baseline
▲ 0.50% · 4.625%
HK$34,875
+HK$1,746/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,258/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,903
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,958
−HK$1,071/mo
Today · 4.125%
HK$36,029
baseline
▲ 0.50% · 4.625%
HK$38,222
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$72,058/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,717
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,729
−HK$1,026/mo
Today · 4.125%
HK$39,755
baseline
▲ 0.50% · 4.625%
HK$41,850
+HK$2,095/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$79,510/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,554
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,784
−HK$1,250/mo
Today · 4.125%
HK$42,034
baseline
▲ 0.50% · 4.625%
HK$44,592
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,068/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,003
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,183
−HK$1,198/mo
Today · 4.125%
HK$46,381
baseline
▲ 0.50% · 4.625%
HK$48,825
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,762/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,855
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,437
−HK$1,607/mo
Today · 4.125%
HK$54,044
baseline
▲ 0.50% · 4.625%
HK$57,332
+HK$3,288/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,088/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,576
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,093
−HK$1,539/mo
Today · 4.125%
HK$59,632
baseline
▲ 0.50% · 4.625%
HK$62,775
+HK$3,143/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,264/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,631 · Scale 2, in force from 26 Feb 2026)