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$28,210
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,088
−HK$891/mo
Today · 4.125%
HK$29,979
baseline
▲ 0.50% · 4.625%
HK$31,804
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,958/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,384
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,225
−HK$854/mo
Today · 4.125%
HK$33,079
baseline
▲ 0.50% · 4.625%
HK$34,823
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,158/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,852
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,905
−HK$1,070/mo
Today · 4.125%
HK$35,975
baseline
▲ 0.50% · 4.625%
HK$38,164
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,950/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,661
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,671
−HK$1,024/mo
Today · 4.125%
HK$39,695
baseline
▲ 0.50% · 4.625%
HK$41,788
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,390/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,495
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,723
−HK$1,248/mo
Today · 4.125%
HK$41,971
baseline
▲ 0.50% · 4.625%
HK$44,525
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,942/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,937
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,116
−HK$1,195/mo
Today · 4.125%
HK$46,311
baseline
▲ 0.50% · 4.625%
HK$48,752
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,622/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,779
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,358
−HK$1,605/mo
Today · 4.125%
HK$53,963
baseline
▲ 0.50% · 4.625%
HK$57,246
+HK$3,283/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,926/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,491
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,006
−HK$1,537/mo
Today · 4.125%
HK$59,543
baseline
▲ 0.50% · 4.625%
HK$62,681
+HK$3,138/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,086/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,935 · Scale 2, in force from 26 Feb 2026)