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$28,239
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,118
−HK$892/mo
Today · 4.125%
HK$30,010
baseline
▲ 0.50% · 4.625%
HK$31,836
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,020/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,416
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,258
−HK$855/mo
Today · 4.125%
HK$33,113
baseline
▲ 0.50% · 4.625%
HK$34,859
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,226/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,887
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,941
−HK$1,071/mo
Today · 4.125%
HK$36,012
baseline
▲ 0.50% · 4.625%
HK$38,203
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,024/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,699
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,710
−HK$1,026/mo
Today · 4.125%
HK$39,736
baseline
▲ 0.50% · 4.625%
HK$41,830
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,472/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,535
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,765
−HK$1,249/mo
Today · 4.125%
HK$42,014
baseline
▲ 0.50% · 4.625%
HK$44,571
+HK$2,557/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,028/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,982
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,162
−HK$1,196/mo
Today · 4.125%
HK$46,358
baseline
▲ 0.50% · 4.625%
HK$48,802
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,716/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,831
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,412
−HK$1,606/mo
Today · 4.125%
HK$54,018
baseline
▲ 0.50% · 4.625%
HK$57,305
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,036/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,549
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,065
−HK$1,539/mo
Today · 4.125%
HK$59,604
baseline
▲ 0.50% · 4.625%
HK$62,746
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,208/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,410 · Scale 2, in force from 26 Feb 2026)