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$1,770/mo
▼ 0.25% · 3.875%
HK$29,113
−HK$892/mo
Today · 4.125%
HK$30,005
baseline
▲ 0.50% · 4.625%
HK$31,831
+HK$1,826/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$60,010/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$464,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,411
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,253
−HK$855/mo
Today · 4.125%
HK$33,108
baseline
▲ 0.50% · 4.625%
HK$34,853
+HK$1,745/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$464,338 · 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$38,197
+HK$2,190/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$464,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,693
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,704
−HK$1,026/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$464,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,529
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,758
−HK$1,250/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$464,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,975
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,155
−HK$1,196/mo
Today · 4.125%
HK$46,351
baseline
▲ 0.50% · 4.625%
HK$48,795
+HK$2,444/mo
Deposit HK$3.71M · loan HK$8.67M · min. income ≈ HK$92,702/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$464,338 · 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$57,296
+HK$3,286/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$464,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,540
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,056
−HK$1,538/mo
Today · 4.125%
HK$59,594
baseline
▲ 0.50% · 4.625%
HK$62,736
+HK$3,142/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,188/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$464,338 · Scale 2, in force from 26 Feb 2026)