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$28,246
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,125
−HK$892/mo
Today · 4.125%
HK$30,017
baseline
▲ 0.50% · 4.625%
HK$31,844
+HK$1,827/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,034/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,423
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,266
−HK$855/mo
Today · 4.125%
HK$33,121
baseline
▲ 0.50% · 4.625%
HK$34,867
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,242/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,895
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,949
−HK$1,072/mo
Today · 4.125%
HK$36,021
baseline
▲ 0.50% · 4.625%
HK$38,212
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,042/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,708
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,719
−HK$1,026/mo
Today · 4.125%
HK$39,745
baseline
▲ 0.50% · 4.625%
HK$41,840
+HK$2,095/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,490/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,544
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,774
−HK$1,250/mo
Today · 4.125%
HK$42,024
baseline
▲ 0.50% · 4.625%
HK$44,581
+HK$2,557/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,048/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,993
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,172
−HK$1,197/mo
Today · 4.125%
HK$46,369
baseline
▲ 0.50% · 4.625%
HK$48,814
+HK$2,445/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,738/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,843
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,424
−HK$1,607/mo
Today · 4.125%
HK$54,031
baseline
▲ 0.50% · 4.625%
HK$57,319
+HK$3,288/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,062/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,562
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,079
−HK$1,539/mo
Today · 4.125%
HK$59,618
baseline
▲ 0.50% · 4.625%
HK$62,760
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,236/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,519 · Scale 2, in force from 26 Feb 2026)