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$28,233
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,112
−HK$892/mo
Today · 4.125%
HK$30,004
baseline
▲ 0.50% · 4.625%
HK$31,830
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,008/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,409
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,252
−HK$854/mo
Today · 4.125%
HK$33,106
baseline
▲ 0.50% · 4.625%
HK$34,851
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,212/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,880
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,934
−HK$1,071/mo
Today · 4.125%
HK$36,005
baseline
▲ 0.50% · 4.625%
HK$38,195
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,010/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,691
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,702
−HK$1,026/mo
Today · 4.125%
HK$39,728
baseline
▲ 0.50% · 4.625%
HK$41,822
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,456/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,527
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,756
−HK$1,249/mo
Today · 4.125%
HK$42,005
baseline
▲ 0.50% · 4.625%
HK$44,561
+HK$2,556/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$84,010/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,973
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,152
−HK$1,197/mo
Today · 4.125%
HK$46,349
baseline
▲ 0.50% · 4.625%
HK$48,792
+HK$2,443/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,698/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,820
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,401
−HK$1,606/mo
Today · 4.125%
HK$54,007
baseline
▲ 0.50% · 4.625%
HK$57,293
+HK$3,286/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$108,014/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,537
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,053
−HK$1,538/mo
Today · 4.125%
HK$59,591
baseline
▲ 0.50% · 4.625%
HK$62,732
+HK$3,141/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,182/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,313 · Scale 2, in force from 26 Feb 2026)