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$28,212
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,089
−HK$892/mo
Today · 4.125%
HK$29,981
baseline
▲ 0.50% · 4.625%
HK$31,805
+HK$1,824/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,962/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,385
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,227
−HK$854/mo
Today · 4.125%
HK$33,081
baseline
▲ 0.50% · 4.625%
HK$34,824
+HK$1,743/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,162/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,854
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,907
−HK$1,070/mo
Today · 4.125%
HK$35,977
baseline
▲ 0.50% · 4.625%
HK$38,166
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,954/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,662
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,672
−HK$1,025/mo
Today · 4.125%
HK$39,697
baseline
▲ 0.50% · 4.625%
HK$41,789
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,394/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,496
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,725
−HK$1,248/mo
Today · 4.125%
HK$41,973
baseline
▲ 0.50% · 4.625%
HK$44,527
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,946/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,939
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,118
−HK$1,195/mo
Today · 4.125%
HK$46,313
baseline
▲ 0.50% · 4.625%
HK$48,754
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,626/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,781
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,360
−HK$1,605/mo
Today · 4.125%
HK$53,965
baseline
▲ 0.50% · 4.625%
HK$57,249
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,930/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,493
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,008
−HK$1,537/mo
Today · 4.125%
HK$59,545
baseline
▲ 0.50% · 4.625%
HK$62,684
+HK$3,139/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,090/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,954 · Scale 2, in force from 26 Feb 2026)