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$28,221
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,099
−HK$892/mo
Today · 4.125%
HK$29,991
baseline
▲ 0.50% · 4.625%
HK$31,815
+HK$1,824/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,982/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,396
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,238
−HK$854/mo
Today · 4.125%
HK$33,092
baseline
▲ 0.50% · 4.625%
HK$34,836
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,184/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,865
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,919
−HK$1,070/mo
Today · 4.125%
HK$35,989
baseline
▲ 0.50% · 4.625%
HK$38,179
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$71,978/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,675
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,685
−HK$1,025/mo
Today · 4.125%
HK$39,710
baseline
▲ 0.50% · 4.625%
HK$41,803
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,420/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,509
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,738
−HK$1,249/mo
Today · 4.125%
HK$41,987
baseline
▲ 0.50% · 4.625%
HK$44,542
+HK$2,555/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,974/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,954
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,133
−HK$1,195/mo
Today · 4.125%
HK$46,328
baseline
▲ 0.50% · 4.625%
HK$48,770
+HK$2,442/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,656/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,798
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,378
−HK$1,605/mo
Today · 4.125%
HK$53,983
baseline
▲ 0.50% · 4.625%
HK$57,268
+HK$3,285/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,966/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,512
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,028
−HK$1,537/mo
Today · 4.125%
HK$59,565
baseline
▲ 0.50% · 4.625%
HK$62,705
+HK$3,140/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,130/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,108 · Scale 2, in force from 26 Feb 2026)