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$28,232
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,110
−HK$892/mo
Today · 4.125%
HK$30,002
baseline
▲ 0.50% · 4.625%
HK$31,828
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,004/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,408
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,250
−HK$854/mo
Today · 4.125%
HK$33,104
baseline
▲ 0.50% · 4.625%
HK$34,849
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,208/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,878
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,932
−HK$1,071/mo
Today · 4.125%
HK$36,003
baseline
▲ 0.50% · 4.625%
HK$38,193
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,006/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,689
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,700
−HK$1,025/mo
Today · 4.125%
HK$39,725
baseline
▲ 0.50% · 4.625%
HK$41,819
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,450/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,524
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,754
−HK$1,249/mo
Today · 4.125%
HK$42,003
baseline
▲ 0.50% · 4.625%
HK$44,559
+HK$2,556/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$84,006/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,971
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,150
−HK$1,196/mo
Today · 4.125%
HK$46,346
baseline
▲ 0.50% · 4.625%
HK$48,789
+HK$2,443/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,692/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,817
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,398
−HK$1,606/mo
Today · 4.125%
HK$54,004
baseline
▲ 0.50% · 4.625%
HK$57,290
+HK$3,286/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$108,008/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,534
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,050
−HK$1,538/mo
Today · 4.125%
HK$59,588
baseline
▲ 0.50% · 4.625%
HK$62,729
+HK$3,141/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,176/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,287 · Scale 2, in force from 26 Feb 2026)