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$28,161
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,037
−HK$889/mo
Today · 4.125%
HK$29,926
baseline
▲ 0.50% · 4.625%
HK$31,747
+HK$1,821/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,852/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,328
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,169
−HK$852/mo
Today · 4.125%
HK$33,021
baseline
▲ 0.50% · 4.625%
HK$34,762
+HK$1,741/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,042/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,793
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,844
−HK$1,068/mo
Today · 4.125%
HK$35,912
baseline
▲ 0.50% · 4.625%
HK$38,097
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,824/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,594
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,602
−HK$1,023/mo
Today · 4.125%
HK$39,625
baseline
▲ 0.50% · 4.625%
HK$41,714
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,250/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,425
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,651
−HK$1,246/mo
Today · 4.125%
HK$41,897
baseline
▲ 0.50% · 4.625%
HK$44,446
+HK$2,549/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,794/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,860
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,036
−HK$1,193/mo
Today · 4.125%
HK$46,229
baseline
▲ 0.50% · 4.625%
HK$48,666
+HK$2,437/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,458/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,689
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,266
−HK$1,602/mo
Today · 4.125%
HK$53,868
baseline
▲ 0.50% · 4.625%
HK$57,145
+HK$3,277/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,736/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,391
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,903
−HK$1,535/mo
Today · 4.125%
HK$59,438
baseline
▲ 0.50% · 4.625%
HK$62,571
+HK$3,133/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,876/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,116 · Scale 2, in force from 26 Feb 2026)