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$28,219
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,097
−HK$892/mo
Today · 4.125%
HK$29,989
baseline
▲ 0.50% · 4.625%
HK$31,813
+HK$1,824/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,978/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,393
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,235
−HK$854/mo
Today · 4.125%
HK$33,089
baseline
▲ 0.50% · 4.625%
HK$34,834
+HK$1,745/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$464,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,863
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,916
−HK$1,070/mo
Today · 4.125%
HK$35,986
baseline
▲ 0.50% · 4.625%
HK$38,176
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$71,972/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,672
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,682
−HK$1,025/mo
Today · 4.125%
HK$39,707
baseline
▲ 0.50% · 4.625%
HK$41,800
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,414/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,507
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,736
−HK$1,248/mo
Today · 4.125%
HK$41,984
baseline
▲ 0.50% · 4.625%
HK$44,539
+HK$2,555/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,968/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,951
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,130
−HK$1,195/mo
Today · 4.125%
HK$46,325
baseline
▲ 0.50% · 4.625%
HK$48,767
+HK$2,442/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,650/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,794
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,374
−HK$1,606/mo
Today · 4.125%
HK$53,980
baseline
▲ 0.50% · 4.625%
HK$57,264
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,960/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,508
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,024
−HK$1,537/mo
Today · 4.125%
HK$59,561
baseline
▲ 0.50% · 4.625%
HK$62,701
+HK$3,140/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,122/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,077 · Scale 2, in force from 26 Feb 2026)