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$28,231
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,109
−HK$892/mo
Today · 4.125%
HK$30,001
baseline
▲ 0.50% · 4.625%
HK$31,826
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,002/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,406
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,249
−HK$854/mo
Today · 4.125%
HK$33,103
baseline
▲ 0.50% · 4.625%
HK$34,848
+HK$1,745/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,206/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$464,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,877
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,931
−HK$1,070/mo
Today · 4.125%
HK$36,001
baseline
▲ 0.50% · 4.625%
HK$38,192
+HK$2,191/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$72,002/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,688
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,698
−HK$1,026/mo
Today · 4.125%
HK$39,724
baseline
▲ 0.50% · 4.625%
HK$41,818
+HK$2,094/mo
Deposit HK$4.95M · loan HK$7.43M · min. income ≈ HK$79,448/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$464,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,523
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,752
−HK$1,249/mo
Today · 4.125%
HK$42,001
baseline
▲ 0.50% · 4.625%
HK$44,557
+HK$2,556/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$84,002/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,969
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,148
−HK$1,196/mo
Today · 4.125%
HK$46,344
baseline
▲ 0.50% · 4.625%
HK$48,787
+HK$2,443/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,688/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,815
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,396
−HK$1,606/mo
Today · 4.125%
HK$54,002
baseline
▲ 0.50% · 4.625%
HK$57,288
+HK$3,286/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$108,004/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,531
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,048
−HK$1,538/mo
Today · 4.125%
HK$59,586
baseline
▲ 0.50% · 4.625%
HK$62,727
+HK$3,141/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,172/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,269 · Scale 2, in force from 26 Feb 2026)