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$28,230
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,108
−HK$892/mo
Today · 4.125%
HK$30,000
baseline
▲ 0.50% · 4.625%
HK$31,826
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,000/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,406
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,248
−HK$854/mo
Today · 4.125%
HK$33,102
baseline
▲ 0.50% · 4.625%
HK$34,847
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,204/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,876
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,930
−HK$1,070/mo
Today · 4.125%
HK$36,000
baseline
▲ 0.50% · 4.625%
HK$38,191
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,000/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,687
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,697
−HK$1,026/mo
Today · 4.125%
HK$39,723
baseline
▲ 0.50% · 4.625%
HK$41,817
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,446/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,522
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,751
−HK$1,249/mo
Today · 4.125%
HK$42,000
baseline
▲ 0.50% · 4.625%
HK$44,556
+HK$2,556/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$84,000/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,968
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,147
−HK$1,196/mo
Today · 4.125%
HK$46,343
baseline
▲ 0.50% · 4.625%
HK$48,786
+HK$2,443/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,686/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,814
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,394
−HK$1,606/mo
Today · 4.125%
HK$54,000
baseline
▲ 0.50% · 4.625%
HK$57,286
+HK$3,286/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$108,000/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,530
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,046
−HK$1,538/mo
Today · 4.125%
HK$59,584
baseline
▲ 0.50% · 4.625%
HK$62,725
+HK$3,141/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,168/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,256 · Scale 2, in force from 26 Feb 2026)