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$28,252
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,131
−HK$893/mo
Today · 4.125%
HK$30,024
baseline
▲ 0.50% · 4.625%
HK$31,851
+HK$1,827/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,048/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,430
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,273
−HK$855/mo
Today · 4.125%
HK$33,128
baseline
▲ 0.50% · 4.625%
HK$34,874
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,256/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,902
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,957
−HK$1,071/mo
Today · 4.125%
HK$36,028
baseline
▲ 0.50% · 4.625%
HK$38,221
+HK$2,193/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$72,056/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,716
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,728
−HK$1,026/mo
Today · 4.125%
HK$39,754
baseline
▲ 0.50% · 4.625%
HK$41,849
+HK$2,095/mo
Deposit HK$4.96M · loan HK$7.43M · min. income ≈ HK$79,508/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,553
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,783
−HK$1,250/mo
Today · 4.125%
HK$42,033
baseline
▲ 0.50% · 4.625%
HK$44,591
+HK$2,558/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,066/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,002
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,182
−HK$1,197/mo
Today · 4.125%
HK$46,379
baseline
▲ 0.50% · 4.625%
HK$48,824
+HK$2,445/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,758/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,854
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,435
−HK$1,608/mo
Today · 4.125%
HK$54,043
baseline
▲ 0.50% · 4.625%
HK$57,331
+HK$3,288/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,086/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,574
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,091
−HK$1,540/mo
Today · 4.125%
HK$59,631
baseline
▲ 0.50% · 4.625%
HK$62,774
+HK$3,143/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,262/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,620 · Scale 2, in force from 26 Feb 2026)