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$28,247
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,126
−HK$893/mo
Today · 4.125%
HK$30,019
baseline
▲ 0.50% · 4.625%
HK$31,845
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,038/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,425
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,268
−HK$855/mo
Today · 4.125%
HK$33,123
baseline
▲ 0.50% · 4.625%
HK$34,868
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,246/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,897
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,951
−HK$1,071/mo
Today · 4.125%
HK$36,022
baseline
▲ 0.50% · 4.625%
HK$38,214
+HK$2,192/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$72,044/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,710
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,721
−HK$1,026/mo
Today · 4.125%
HK$39,747
baseline
▲ 0.50% · 4.625%
HK$41,842
+HK$2,095/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$79,494/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,546
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,776
−HK$1,250/mo
Today · 4.125%
HK$42,026
baseline
▲ 0.50% · 4.625%
HK$44,583
+HK$2,557/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,052/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,995
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,175
−HK$1,197/mo
Today · 4.125%
HK$46,372
baseline
▲ 0.50% · 4.625%
HK$48,816
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,744/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,845
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,427
−HK$1,606/mo
Today · 4.125%
HK$54,033
baseline
▲ 0.50% · 4.625%
HK$57,321
+HK$3,288/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,066/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,565
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,082
−HK$1,539/mo
Today · 4.125%
HK$59,621
baseline
▲ 0.50% · 4.625%
HK$62,763
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,242/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,541 · Scale 2, in force from 26 Feb 2026)