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$28,243
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,121
−HK$893/mo
Today · 4.125%
HK$30,014
baseline
▲ 0.50% · 4.625%
HK$31,840
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,028/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,420
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,263
−HK$854/mo
Today · 4.125%
HK$33,117
baseline
▲ 0.50% · 4.625%
HK$34,863
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,234/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,891
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,946
−HK$1,071/mo
Today · 4.125%
HK$36,017
baseline
▲ 0.50% · 4.625%
HK$38,208
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,034/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,704
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,715
−HK$1,026/mo
Today · 4.125%
HK$39,741
baseline
▲ 0.50% · 4.625%
HK$41,836
+HK$2,095/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,482/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,540
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,770
−HK$1,250/mo
Today · 4.125%
HK$42,020
baseline
▲ 0.50% · 4.625%
HK$44,576
+HK$2,556/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,040/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,988
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,168
−HK$1,196/mo
Today · 4.125%
HK$46,364
baseline
▲ 0.50% · 4.625%
HK$48,808
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,728/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,837
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,418
−HK$1,607/mo
Today · 4.125%
HK$54,025
baseline
▲ 0.50% · 4.625%
HK$57,312
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,050/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,556
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,073
−HK$1,538/mo
Today · 4.125%
HK$59,611
baseline
▲ 0.50% · 4.625%
HK$62,754
+HK$3,143/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,222/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,469 · Scale 2, in force from 26 Feb 2026)