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$28,238
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,117
−HK$892/mo
Today · 4.125%
HK$30,009
baseline
▲ 0.50% · 4.625%
HK$31,835
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,018/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,415
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,257
−HK$855/mo
Today · 4.125%
HK$33,112
baseline
▲ 0.50% · 4.625%
HK$34,857
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,224/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,886
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,940
−HK$1,071/mo
Today · 4.125%
HK$36,011
baseline
▲ 0.50% · 4.625%
HK$38,202
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,022/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,698
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,709
−HK$1,025/mo
Today · 4.125%
HK$39,734
baseline
▲ 0.50% · 4.625%
HK$41,829
+HK$2,095/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,468/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,533
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,763
−HK$1,250/mo
Today · 4.125%
HK$42,013
baseline
▲ 0.50% · 4.625%
HK$44,569
+HK$2,556/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,026/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,981
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,160
−HK$1,197/mo
Today · 4.125%
HK$46,357
baseline
▲ 0.50% · 4.625%
HK$48,800
+HK$2,443/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,714/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,829
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,410
−HK$1,606/mo
Today · 4.125%
HK$54,016
baseline
▲ 0.50% · 4.625%
HK$57,303
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,032/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,546
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,063
−HK$1,538/mo
Today · 4.125%
HK$59,601
baseline
▲ 0.50% · 4.625%
HK$62,743
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,202/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,392 · Scale 2, in force from 26 Feb 2026)