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$28,150
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,025
−HK$890/mo
Today · 4.125%
HK$29,915
baseline
▲ 0.50% · 4.625%
HK$31,735
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,830/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,316
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,156
−HK$852/mo
Today · 4.125%
HK$33,008
baseline
▲ 0.50% · 4.625%
HK$34,748
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,016/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,779
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,830
−HK$1,068/mo
Today · 4.125%
HK$35,898
baseline
▲ 0.50% · 4.625%
HK$38,082
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,796/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,579
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,587
−HK$1,023/mo
Today · 4.125%
HK$39,610
baseline
▲ 0.50% · 4.625%
HK$41,697
+HK$2,087/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,220/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,409
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,635
−HK$1,246/mo
Today · 4.125%
HK$41,881
baseline
▲ 0.50% · 4.625%
HK$44,429
+HK$2,548/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,762/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,843
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,018
−HK$1,193/mo
Today · 4.125%
HK$46,211
baseline
▲ 0.50% · 4.625%
HK$48,647
+HK$2,436/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,422/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,669
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,245
−HK$1,602/mo
Today · 4.125%
HK$53,847
baseline
▲ 0.50% · 4.625%
HK$57,123
+HK$3,276/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,694/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,369
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,881
−HK$1,533/mo
Today · 4.125%
HK$59,414
baseline
▲ 0.50% · 4.625%
HK$62,546
+HK$3,132/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,828/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,934 · Scale 2, in force from 26 Feb 2026)