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$28,249
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,128
−HK$892/mo
Today · 4.125%
HK$30,020
baseline
▲ 0.50% · 4.625%
HK$31,847
+HK$1,827/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,040/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,427
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,270
−HK$855/mo
Today · 4.125%
HK$33,125
baseline
▲ 0.50% · 4.625%
HK$34,871
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,250/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,899
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,953
−HK$1,072/mo
Today · 4.125%
HK$36,025
baseline
▲ 0.50% · 4.625%
HK$38,217
+HK$2,192/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$72,050/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,712
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,724
−HK$1,026/mo
Today · 4.125%
HK$39,750
baseline
▲ 0.50% · 4.625%
HK$41,845
+HK$2,095/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$79,500/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,549
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,779
−HK$1,250/mo
Today · 4.125%
HK$42,029
baseline
▲ 0.50% · 4.625%
HK$44,586
+HK$2,557/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,058/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,997
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,177
−HK$1,197/mo
Today · 4.125%
HK$46,374
baseline
▲ 0.50% · 4.625%
HK$48,819
+HK$2,445/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,748/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,848
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,430
−HK$1,607/mo
Today · 4.125%
HK$54,037
baseline
▲ 0.50% · 4.625%
HK$57,325
+HK$3,288/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,074/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,568
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,085
−HK$1,539/mo
Today · 4.125%
HK$59,624
baseline
▲ 0.50% · 4.625%
HK$62,767
+HK$3,143/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,248/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,570 · Scale 2, in force from 26 Feb 2026)