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$1,771/mo
▼ 0.25% · 3.875%
HK$29,115
−HK$893/mo
Today · 4.125%
HK$30,008
baseline
▲ 0.50% · 4.625%
HK$31,834
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,016/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,371 · 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$464,371 · 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$464,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,696
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,707
−HK$1,026/mo
Today · 4.125%
HK$39,733
baseline
▲ 0.50% · 4.625%
HK$41,827
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,466/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,532
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,761
−HK$1,250/mo
Today · 4.125%
HK$42,011
baseline
▲ 0.50% · 4.625%
HK$44,567
+HK$2,556/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$84,022/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,979
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,158
−HK$1,197/mo
Today · 4.125%
HK$46,355
baseline
▲ 0.50% · 4.625%
HK$48,798
+HK$2,443/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,710/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,826
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,407
−HK$1,607/mo
Today · 4.125%
HK$54,014
baseline
▲ 0.50% · 4.625%
HK$57,300
+HK$3,286/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$108,028/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,544
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,060
−HK$1,539/mo
Today · 4.125%
HK$59,599
baseline
▲ 0.50% · 4.625%
HK$62,740
+HK$3,141/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,198/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,371 · Scale 2, in force from 26 Feb 2026)