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$28,228
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,106
−HK$892/mo
Today · 4.125%
HK$29,998
baseline
▲ 0.50% · 4.625%
HK$31,823
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,996/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,403
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,245
−HK$855/mo
Today · 4.125%
HK$33,100
baseline
▲ 0.50% · 4.625%
HK$34,844
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,200/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,873
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,927
−HK$1,070/mo
Today · 4.125%
HK$35,997
baseline
▲ 0.50% · 4.625%
HK$38,188
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$71,994/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,684
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,694
−HK$1,026/mo
Today · 4.125%
HK$39,720
baseline
▲ 0.50% · 4.625%
HK$41,813
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,440/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,519
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,748
−HK$1,249/mo
Today · 4.125%
HK$41,997
baseline
▲ 0.50% · 4.625%
HK$44,552
+HK$2,555/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$83,994/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,964
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,143
−HK$1,196/mo
Today · 4.125%
HK$46,339
baseline
▲ 0.50% · 4.625%
HK$48,782
+HK$2,443/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,678/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,810
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,390
−HK$1,606/mo
Today · 4.125%
HK$53,996
baseline
▲ 0.50% · 4.625%
HK$57,282
+HK$3,286/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,992/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,525
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,041
−HK$1,538/mo
Today · 4.125%
HK$59,579
baseline
▲ 0.50% · 4.625%
HK$62,720
+HK$3,141/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,158/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,219 · Scale 2, in force from 26 Feb 2026)