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$28,225
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,103
−HK$892/mo
Today · 4.125%
HK$29,995
baseline
▲ 0.50% · 4.625%
HK$31,820
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,990/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,400
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,242
−HK$855/mo
Today · 4.125%
HK$33,097
baseline
▲ 0.50% · 4.625%
HK$34,841
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,194/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,870
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,924
−HK$1,070/mo
Today · 4.125%
HK$35,994
baseline
▲ 0.50% · 4.625%
HK$38,184
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$71,988/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,680
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,691
−HK$1,025/mo
Today · 4.125%
HK$39,716
baseline
▲ 0.50% · 4.625%
HK$41,810
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,432/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,515
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,745
−HK$1,248/mo
Today · 4.125%
HK$41,993
baseline
▲ 0.50% · 4.625%
HK$44,549
+HK$2,556/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,986/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,960
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,139
−HK$1,197/mo
Today · 4.125%
HK$46,336
baseline
▲ 0.50% · 4.625%
HK$48,778
+HK$2,442/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,672/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,806
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,386
−HK$1,605/mo
Today · 4.125%
HK$53,991
baseline
▲ 0.50% · 4.625%
HK$57,277
+HK$3,286/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,982/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,521
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,036
−HK$1,538/mo
Today · 4.125%
HK$59,574
baseline
▲ 0.50% · 4.625%
HK$62,715
+HK$3,141/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,148/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,180 · Scale 2, in force from 26 Feb 2026)