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$28,248
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,127
−HK$893/mo
Today · 4.125%
HK$30,020
baseline
▲ 0.50% · 4.625%
HK$31,846
+HK$1,826/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$464,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,426
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,269
−HK$855/mo
Today · 4.125%
HK$33,124
baseline
▲ 0.50% · 4.625%
HK$34,870
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,248/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,898
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,952
−HK$1,071/mo
Today · 4.125%
HK$36,023
baseline
▲ 0.50% · 4.625%
HK$38,215
+HK$2,192/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$72,046/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,711
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,722
−HK$1,026/mo
Today · 4.125%
HK$39,748
baseline
▲ 0.50% · 4.625%
HK$41,844
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$79,496/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,547
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,778
−HK$1,249/mo
Today · 4.125%
HK$42,027
baseline
▲ 0.50% · 4.625%
HK$44,585
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,054/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,996
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,176
−HK$1,197/mo
Today · 4.125%
HK$46,373
baseline
▲ 0.50% · 4.625%
HK$48,817
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,746/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,847
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,428
−HK$1,607/mo
Today · 4.125%
HK$54,035
baseline
▲ 0.50% · 4.625%
HK$57,323
+HK$3,288/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,070/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,566
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,083
−HK$1,539/mo
Today · 4.125%
HK$59,622
baseline
▲ 0.50% · 4.625%
HK$62,765
+HK$3,143/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,244/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,556 · Scale 2, in force from 26 Feb 2026)