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$28,133
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,008
−HK$890/mo
Today · 4.125%
HK$29,898
baseline
▲ 0.50% · 4.625%
HK$31,717
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,796/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,298
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,137
−HK$852/mo
Today · 4.125%
HK$32,989
baseline
▲ 0.50% · 4.625%
HK$34,728
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,978/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,760
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,810
−HK$1,067/mo
Today · 4.125%
HK$35,877
baseline
▲ 0.50% · 4.625%
HK$38,060
+HK$2,183/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$71,754/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,558
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,565
−HK$1,022/mo
Today · 4.125%
HK$39,587
baseline
▲ 0.50% · 4.625%
HK$41,673
+HK$2,086/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$79,174/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,387
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,612
−HK$1,245/mo
Today · 4.125%
HK$41,857
baseline
▲ 0.50% · 4.625%
HK$44,403
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,714/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,817
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$44,992
−HK$1,193/mo
Today · 4.125%
HK$46,185
baseline
▲ 0.50% · 4.625%
HK$48,619
+HK$2,434/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,370/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,640
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,215
−HK$1,601/mo
Today · 4.125%
HK$53,816
baseline
▲ 0.50% · 4.625%
HK$57,090
+HK$3,274/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,632/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,336
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,847
−HK$1,533/mo
Today · 4.125%
HK$59,380
baseline
▲ 0.50% · 4.625%
HK$62,510
+HK$3,130/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,760/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,667 · Scale 2, in force from 26 Feb 2026)