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$28,250
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,129
−HK$892/mo
Today · 4.125%
HK$30,021
baseline
▲ 0.50% · 4.625%
HK$31,848
+HK$1,827/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,042/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,428
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,271
−HK$855/mo
Today · 4.125%
HK$33,126
baseline
▲ 0.50% · 4.625%
HK$34,872
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,252/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,900
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,954
−HK$1,072/mo
Today · 4.125%
HK$36,026
baseline
▲ 0.50% · 4.625%
HK$38,218
+HK$2,192/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$72,052/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,713
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,725
−HK$1,026/mo
Today · 4.125%
HK$39,751
baseline
▲ 0.50% · 4.625%
HK$41,846
+HK$2,095/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$79,502/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,550
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,780
−HK$1,250/mo
Today · 4.125%
HK$42,030
baseline
▲ 0.50% · 4.625%
HK$44,587
+HK$2,557/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,060/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,999
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,179
−HK$1,197/mo
Today · 4.125%
HK$46,376
baseline
▲ 0.50% · 4.625%
HK$48,821
+HK$2,445/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,752/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,850
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,432
−HK$1,607/mo
Today · 4.125%
HK$54,039
baseline
▲ 0.50% · 4.625%
HK$57,327
+HK$3,288/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,078/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,570
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,087
−HK$1,539/mo
Today · 4.125%
HK$59,626
baseline
▲ 0.50% · 4.625%
HK$62,769
+HK$3,143/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,252/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,585 · Scale 2, in force from 26 Feb 2026)