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$28,205
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,082
−HK$892/mo
Today · 4.125%
HK$29,974
baseline
▲ 0.50% · 4.625%
HK$31,797
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,948/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,378
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,219
−HK$854/mo
Today · 4.125%
HK$33,073
baseline
▲ 0.50% · 4.625%
HK$34,816
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,146/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,846
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,899
−HK$1,069/mo
Today · 4.125%
HK$35,968
baseline
▲ 0.50% · 4.625%
HK$38,157
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,936/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,653
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,663
−HK$1,024/mo
Today · 4.125%
HK$39,687
baseline
▲ 0.50% · 4.625%
HK$41,779
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,374/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,487
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,715
−HK$1,248/mo
Today · 4.125%
HK$41,963
baseline
▲ 0.50% · 4.625%
HK$44,516
+HK$2,553/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,926/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,929
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,107
−HK$1,195/mo
Today · 4.125%
HK$46,302
baseline
▲ 0.50% · 4.625%
HK$48,743
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,604/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,769
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,348
−HK$1,604/mo
Today · 4.125%
HK$53,952
baseline
▲ 0.50% · 4.625%
HK$57,235
+HK$3,283/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,904/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,480
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,995
−HK$1,536/mo
Today · 4.125%
HK$59,531
baseline
▲ 0.50% · 4.625%
HK$62,669
+HK$3,138/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,062/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,845 · Scale 2, in force from 26 Feb 2026)