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$28,156
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,032
−HK$890/mo
Today · 4.125%
HK$29,922
baseline
▲ 0.50% · 4.625%
HK$31,742
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,844/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,323
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,163
−HK$853/mo
Today · 4.125%
HK$33,016
baseline
▲ 0.50% · 4.625%
HK$34,756
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,032/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,787
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,838
−HK$1,068/mo
Today · 4.125%
HK$35,906
baseline
▲ 0.50% · 4.625%
HK$38,091
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,812/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,588
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,596
−HK$1,023/mo
Today · 4.125%
HK$39,619
baseline
▲ 0.50% · 4.625%
HK$41,707
+HK$2,088/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,238/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,418
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,645
−HK$1,245/mo
Today · 4.125%
HK$41,890
baseline
▲ 0.50% · 4.625%
HK$44,439
+HK$2,549/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,780/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,853
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,029
−HK$1,193/mo
Today · 4.125%
HK$46,222
baseline
▲ 0.50% · 4.625%
HK$48,658
+HK$2,436/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,444/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,681
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,257
−HK$1,602/mo
Today · 4.125%
HK$53,859
baseline
▲ 0.50% · 4.625%
HK$57,136
+HK$3,277/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,718/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,382
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,894
−HK$1,534/mo
Today · 4.125%
HK$59,428
baseline
▲ 0.50% · 4.625%
HK$62,561
+HK$3,133/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,856/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,040 · Scale 2, in force from 26 Feb 2026)