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$28,185
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,061
−HK$891/mo
Today · 4.125%
HK$29,952
baseline
▲ 0.50% · 4.625%
HK$31,774
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,904/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,355
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,196
−HK$853/mo
Today · 4.125%
HK$33,049
baseline
▲ 0.50% · 4.625%
HK$34,791
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,098/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,821
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,873
−HK$1,069/mo
Today · 4.125%
HK$35,942
baseline
▲ 0.50% · 4.625%
HK$38,129
+HK$2,187/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$71,884/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,626
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,635
−HK$1,024/mo
Today · 4.125%
HK$39,659
baseline
▲ 0.50% · 4.625%
HK$41,749
+HK$2,090/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$79,318/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,458
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,686
−HK$1,247/mo
Today · 4.125%
HK$41,933
baseline
▲ 0.50% · 4.625%
HK$44,484
+HK$2,551/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,866/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,897
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,074
−HK$1,195/mo
Today · 4.125%
HK$46,269
baseline
▲ 0.50% · 4.625%
HK$48,708
+HK$2,439/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,538/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,732
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,310
−HK$1,604/mo
Today · 4.125%
HK$53,914
baseline
▲ 0.50% · 4.625%
HK$57,194
+HK$3,280/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,828/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,439
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,953
−HK$1,535/mo
Today · 4.125%
HK$59,488
baseline
▲ 0.50% · 4.625%
HK$62,624
+HK$3,136/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,976/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,510 · Scale 2, in force from 26 Feb 2026)