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$28,226
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,104
−HK$892/mo
Today · 4.125%
HK$29,996
baseline
▲ 0.50% · 4.625%
HK$31,821
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,992/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,401
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,243
−HK$854/mo
Today · 4.125%
HK$33,097
baseline
▲ 0.50% · 4.625%
HK$34,842
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,194/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,871
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,924
−HK$1,071/mo
Today · 4.125%
HK$35,995
baseline
▲ 0.50% · 4.625%
HK$38,185
+HK$2,190/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$71,990/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,681
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,691
−HK$1,026/mo
Today · 4.125%
HK$39,717
baseline
▲ 0.50% · 4.625%
HK$41,810
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,434/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,516
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,745
−HK$1,249/mo
Today · 4.125%
HK$41,994
baseline
▲ 0.50% · 4.625%
HK$44,549
+HK$2,555/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,988/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,961
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,140
−HK$1,196/mo
Today · 4.125%
HK$46,336
baseline
▲ 0.50% · 4.625%
HK$48,778
+HK$2,442/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,672/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,806
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,386
−HK$1,606/mo
Today · 4.125%
HK$53,992
baseline
▲ 0.50% · 4.625%
HK$57,277
+HK$3,285/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,984/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,521
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,037
−HK$1,538/mo
Today · 4.125%
HK$59,575
baseline
▲ 0.50% · 4.625%
HK$62,715
+HK$3,140/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,150/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,185 · Scale 2, in force from 26 Feb 2026)