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$28,236
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,114
−HK$892/mo
Today · 4.125%
HK$30,006
baseline
▲ 0.50% · 4.625%
HK$31,832
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,012/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,412
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,254
−HK$855/mo
Today · 4.125%
HK$33,109
baseline
▲ 0.50% · 4.625%
HK$34,854
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,218/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,883
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,937
−HK$1,070/mo
Today · 4.125%
HK$36,007
baseline
▲ 0.50% · 4.625%
HK$38,198
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,014/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,694
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,705
−HK$1,026/mo
Today · 4.125%
HK$39,731
baseline
▲ 0.50% · 4.625%
HK$41,825
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,462/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,530
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,759
−HK$1,250/mo
Today · 4.125%
HK$42,009
baseline
▲ 0.50% · 4.625%
HK$44,565
+HK$2,556/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$84,018/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,977
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,156
−HK$1,196/mo
Today · 4.125%
HK$46,352
baseline
▲ 0.50% · 4.625%
HK$48,796
+HK$2,444/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,704/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,824
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,405
−HK$1,606/mo
Today · 4.125%
HK$54,011
baseline
▲ 0.50% · 4.625%
HK$57,298
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$108,022/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,541
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,058
−HK$1,538/mo
Today · 4.125%
HK$59,596
baseline
▲ 0.50% · 4.625%
HK$62,737
+HK$3,141/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,192/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,350 · Scale 2, in force from 26 Feb 2026)