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$28,131
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,006
−HK$889/mo
Today · 4.125%
HK$29,895
baseline
▲ 0.50% · 4.625%
HK$31,714
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,790/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,296
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,135
−HK$852/mo
Today · 4.125%
HK$32,987
baseline
▲ 0.50% · 4.625%
HK$34,725
+HK$1,738/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,974/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,758
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,808
−HK$1,066/mo
Today · 4.125%
HK$35,874
baseline
▲ 0.50% · 4.625%
HK$38,057
+HK$2,183/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,748/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,555
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,562
−HK$1,022/mo
Today · 4.125%
HK$39,584
baseline
▲ 0.50% · 4.625%
HK$41,670
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,168/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,384
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,609
−HK$1,245/mo
Today · 4.125%
HK$41,854
baseline
▲ 0.50% · 4.625%
HK$44,400
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,708/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,814
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,989
−HK$1,192/mo
Today · 4.125%
HK$46,181
baseline
▲ 0.50% · 4.625%
HK$48,616
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,362/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,636
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,211
−HK$1,601/mo
Today · 4.125%
HK$53,812
baseline
▲ 0.50% · 4.625%
HK$57,086
+HK$3,274/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,624/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,332
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,843
−HK$1,533/mo
Today · 4.125%
HK$59,376
baseline
▲ 0.50% · 4.625%
HK$62,506
+HK$3,130/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,752/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,635 · Scale 2, in force from 26 Feb 2026)