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$28,245
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,123
−HK$893/mo
Today · 4.125%
HK$30,016
baseline
▲ 0.50% · 4.625%
HK$31,842
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,032/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,422
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,265
−HK$854/mo
Today · 4.125%
HK$33,119
baseline
▲ 0.50% · 4.625%
HK$34,865
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,238/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,893
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,948
−HK$1,071/mo
Today · 4.125%
HK$36,019
baseline
▲ 0.50% · 4.625%
HK$38,211
+HK$2,192/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,038/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,706
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,717
−HK$1,026/mo
Today · 4.125%
HK$39,743
baseline
▲ 0.50% · 4.625%
HK$41,838
+HK$2,095/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,486/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,542
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,772
−HK$1,250/mo
Today · 4.125%
HK$42,022
baseline
▲ 0.50% · 4.625%
HK$44,579
+HK$2,557/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$84,044/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,991
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,170
−HK$1,197/mo
Today · 4.125%
HK$46,367
baseline
▲ 0.50% · 4.625%
HK$48,811
+HK$2,444/mo
Deposit HK$3.72M · loan HK$8.67M · min. income ≈ HK$92,734/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,840
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,422
−HK$1,606/mo
Today · 4.125%
HK$54,028
baseline
▲ 0.50% · 4.625%
HK$57,316
+HK$3,288/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$108,056/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,559
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,076
−HK$1,539/mo
Today · 4.125%
HK$59,615
baseline
▲ 0.50% · 4.625%
HK$62,757
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.15M · min. income ≈ HK$119,230/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,497 · Scale 2, in force from 26 Feb 2026)