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$28,211
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,089
−HK$891/mo
Today · 4.125%
HK$29,980
baseline
▲ 0.50% · 4.625%
HK$31,804
+HK$1,824/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,960/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,385
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,226
−HK$854/mo
Today · 4.125%
HK$33,080
baseline
▲ 0.50% · 4.625%
HK$34,824
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,160/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,853
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,906
−HK$1,070/mo
Today · 4.125%
HK$35,976
baseline
▲ 0.50% · 4.625%
HK$38,165
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,952/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,662
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,672
−HK$1,024/mo
Today · 4.125%
HK$39,696
baseline
▲ 0.50% · 4.625%
HK$41,789
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,392/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,496
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,724
−HK$1,248/mo
Today · 4.125%
HK$41,972
baseline
▲ 0.50% · 4.625%
HK$44,526
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,944/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,938
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,117
−HK$1,195/mo
Today · 4.125%
HK$46,312
baseline
▲ 0.50% · 4.625%
HK$48,753
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,624/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,780
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,360
−HK$1,604/mo
Today · 4.125%
HK$53,964
baseline
▲ 0.50% · 4.625%
HK$57,248
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,928/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,492
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,007
−HK$1,537/mo
Today · 4.125%
HK$59,544
baseline
▲ 0.50% · 4.625%
HK$62,683
+HK$3,139/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,088/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,947 · Scale 2, in force from 26 Feb 2026)