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$28,161
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,037
−HK$890/mo
Today · 4.125%
HK$29,927
baseline
▲ 0.50% · 4.625%
HK$31,748
+HK$1,821/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,854/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,329
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,170
−HK$852/mo
Today · 4.125%
HK$33,022
baseline
▲ 0.50% · 4.625%
HK$34,763
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,044/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,794
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,845
−HK$1,068/mo
Today · 4.125%
HK$35,913
baseline
▲ 0.50% · 4.625%
HK$38,098
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,826/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,595
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,604
−HK$1,022/mo
Today · 4.125%
HK$39,626
baseline
▲ 0.50% · 4.625%
HK$41,715
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,252/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,426
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,652
−HK$1,246/mo
Today · 4.125%
HK$41,898
baseline
▲ 0.50% · 4.625%
HK$44,448
+HK$2,550/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,796/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,861
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,037
−HK$1,194/mo
Today · 4.125%
HK$46,231
baseline
▲ 0.50% · 4.625%
HK$48,668
+HK$2,437/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,462/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,691
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,267
−HK$1,602/mo
Today · 4.125%
HK$53,869
baseline
▲ 0.50% · 4.625%
HK$57,147
+HK$3,278/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,738/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,393
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,905
−HK$1,535/mo
Today · 4.125%
HK$59,440
baseline
▲ 0.50% · 4.625%
HK$62,573
+HK$3,133/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,880/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,131 · Scale 2, in force from 26 Feb 2026)