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$28,251
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,130
−HK$893/mo
Today · 4.125%
HK$30,023
baseline
▲ 0.50% · 4.625%
HK$31,849
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,046/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,429
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,272
−HK$855/mo
Today · 4.125%
HK$33,127
baseline
▲ 0.50% · 4.625%
HK$34,873
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,254/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,901
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,956
−HK$1,071/mo
Today · 4.125%
HK$36,027
baseline
▲ 0.50% · 4.625%
HK$38,219
+HK$2,192/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$72,054/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,715
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,726
−HK$1,026/mo
Today · 4.125%
HK$39,752
baseline
▲ 0.50% · 4.625%
HK$41,848
+HK$2,096/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$79,504/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,552
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,782
−HK$1,250/mo
Today · 4.125%
HK$42,032
baseline
▲ 0.50% · 4.625%
HK$44,589
+HK$2,557/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,064/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,001
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,181
−HK$1,197/mo
Today · 4.125%
HK$46,378
baseline
▲ 0.50% · 4.625%
HK$48,823
+HK$2,445/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,756/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,852
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,434
−HK$1,607/mo
Today · 4.125%
HK$54,041
baseline
▲ 0.50% · 4.625%
HK$57,329
+HK$3,288/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,082/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,572
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,090
−HK$1,539/mo
Today · 4.125%
HK$59,629
baseline
▲ 0.50% · 4.625%
HK$62,772
+HK$3,143/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,258/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,604 · Scale 2, in force from 26 Feb 2026)