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$28,187
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,064
−HK$890/mo
Today · 4.125%
HK$29,954
baseline
▲ 0.50% · 4.625%
HK$31,777
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,908/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,358
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,199
−HK$853/mo
Today · 4.125%
HK$33,052
baseline
▲ 0.50% · 4.625%
HK$34,794
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,104/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,824
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,876
−HK$1,069/mo
Today · 4.125%
HK$35,945
baseline
▲ 0.50% · 4.625%
HK$38,132
+HK$2,187/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$71,890/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,629
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,638
−HK$1,024/mo
Today · 4.125%
HK$39,662
baseline
▲ 0.50% · 4.625%
HK$41,753
+HK$2,091/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$79,324/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,462
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,689
−HK$1,247/mo
Today · 4.125%
HK$41,936
baseline
▲ 0.50% · 4.625%
HK$44,488
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,872/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,901
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,078
−HK$1,194/mo
Today · 4.125%
HK$46,272
baseline
▲ 0.50% · 4.625%
HK$48,711
+HK$2,439/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,544/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,736
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,314
−HK$1,604/mo
Today · 4.125%
HK$53,918
baseline
▲ 0.50% · 4.625%
HK$57,199
+HK$3,281/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,836/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,444
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,957
−HK$1,536/mo
Today · 4.125%
HK$59,493
baseline
▲ 0.50% · 4.625%
HK$62,629
+HK$3,136/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$118,986/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,548 · Scale 2, in force from 26 Feb 2026)