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$28,218
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,096
−HK$892/mo
Today · 4.125%
HK$29,988
baseline
▲ 0.50% · 4.625%
HK$31,812
+HK$1,824/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,976/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,393
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,234
−HK$855/mo
Today · 4.125%
HK$33,089
baseline
▲ 0.50% · 4.625%
HK$34,833
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,178/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,862
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,915
−HK$1,070/mo
Today · 4.125%
HK$35,985
baseline
▲ 0.50% · 4.625%
HK$38,175
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$71,970/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,671
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,681
−HK$1,025/mo
Today · 4.125%
HK$39,706
baseline
▲ 0.50% · 4.625%
HK$41,799
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,412/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,506
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,734
−HK$1,249/mo
Today · 4.125%
HK$41,983
baseline
▲ 0.50% · 4.625%
HK$44,537
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,966/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,950
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,128
−HK$1,196/mo
Today · 4.125%
HK$46,324
baseline
▲ 0.50% · 4.625%
HK$48,766
+HK$2,442/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,648/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,793
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,373
−HK$1,605/mo
Today · 4.125%
HK$53,978
baseline
▲ 0.50% · 4.625%
HK$57,262
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,956/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,507
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,022
−HK$1,537/mo
Today · 4.125%
HK$59,559
baseline
▲ 0.50% · 4.625%
HK$62,699
+HK$3,140/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,118/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,065 · Scale 2, in force from 26 Feb 2026)