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$28,215
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,093
−HK$891/mo
Today · 4.125%
HK$29,984
baseline
▲ 0.50% · 4.625%
HK$31,809
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,968/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,389
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,231
−HK$854/mo
Today · 4.125%
HK$33,085
baseline
▲ 0.50% · 4.625%
HK$34,829
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,170/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,858
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,911
−HK$1,070/mo
Today · 4.125%
HK$35,981
baseline
▲ 0.50% · 4.625%
HK$38,171
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,962/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,667
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,677
−HK$1,025/mo
Today · 4.125%
HK$39,702
baseline
▲ 0.50% · 4.625%
HK$41,794
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,404/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$464,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,501
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,730
−HK$1,248/mo
Today · 4.125%
HK$41,978
baseline
▲ 0.50% · 4.625%
HK$44,532
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,956/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,944
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,123
−HK$1,196/mo
Today · 4.125%
HK$46,319
baseline
▲ 0.50% · 4.625%
HK$48,760
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,638/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,787
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,367
−HK$1,605/mo
Today · 4.125%
HK$53,972
baseline
▲ 0.50% · 4.625%
HK$57,256
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,944/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,500
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,015
−HK$1,537/mo
Today · 4.125%
HK$59,552
baseline
▲ 0.50% · 4.625%
HK$62,692
+HK$3,140/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,104/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,010 · Scale 2, in force from 26 Feb 2026)