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$28,235
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,113
−HK$893/mo
Today · 4.125%
HK$30,006
baseline
▲ 0.50% · 4.625%
HK$31,832
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,012/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,411
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,254
−HK$854/mo
Today · 4.125%
HK$33,108
baseline
▲ 0.50% · 4.625%
HK$34,854
+HK$1,746/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,216/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,882
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,936
−HK$1,071/mo
Today · 4.125%
HK$36,007
baseline
▲ 0.50% · 4.625%
HK$38,198
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,014/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,694
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,705
−HK$1,025/mo
Today · 4.125%
HK$39,730
baseline
▲ 0.50% · 4.625%
HK$41,824
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,460/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,529
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,759
−HK$1,249/mo
Today · 4.125%
HK$42,008
baseline
▲ 0.50% · 4.625%
HK$44,564
+HK$2,556/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$84,016/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,976
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,155
−HK$1,197/mo
Today · 4.125%
HK$46,352
baseline
▲ 0.50% · 4.625%
HK$48,795
+HK$2,443/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,704/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,823
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,404
−HK$1,606/mo
Today · 4.125%
HK$54,010
baseline
▲ 0.50% · 4.625%
HK$57,297
+HK$3,287/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$108,020/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,540
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,057
−HK$1,538/mo
Today · 4.125%
HK$59,595
baseline
▲ 0.50% · 4.625%
HK$62,736
+HK$3,141/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,190/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,342 · Scale 2, in force from 26 Feb 2026)