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$28,208
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,085
−HK$892/mo
Today · 4.125%
HK$29,977
baseline
▲ 0.50% · 4.625%
HK$31,801
+HK$1,824/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,954/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,381
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,222
−HK$854/mo
Today · 4.125%
HK$33,076
baseline
▲ 0.50% · 4.625%
HK$34,820
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,152/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,849
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,902
−HK$1,070/mo
Today · 4.125%
HK$35,972
baseline
▲ 0.50% · 4.625%
HK$38,161
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,944/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,657
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,667
−HK$1,024/mo
Today · 4.125%
HK$39,691
baseline
▲ 0.50% · 4.625%
HK$41,784
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,382/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,491
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,719
−HK$1,248/mo
Today · 4.125%
HK$41,967
baseline
▲ 0.50% · 4.625%
HK$44,521
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,934/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,933
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,111
−HK$1,196/mo
Today · 4.125%
HK$46,307
baseline
▲ 0.50% · 4.625%
HK$48,748
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,614/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,774
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,353
−HK$1,605/mo
Today · 4.125%
HK$53,958
baseline
▲ 0.50% · 4.625%
HK$57,241
+HK$3,283/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,916/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,486
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$58,000
−HK$1,537/mo
Today · 4.125%
HK$59,537
baseline
▲ 0.50% · 4.625%
HK$62,676
+HK$3,139/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,074/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,892 · Scale 2, in force from 26 Feb 2026)