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$28,203
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,080
−HK$892/mo
Today · 4.125%
HK$29,972
baseline
▲ 0.50% · 4.625%
HK$31,795
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,944/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,376
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,217
−HK$854/mo
Today · 4.125%
HK$33,071
baseline
▲ 0.50% · 4.625%
HK$34,814
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,142/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,844
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,896
−HK$1,070/mo
Today · 4.125%
HK$35,966
baseline
▲ 0.50% · 4.625%
HK$38,154
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,932/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,651
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,660
−HK$1,025/mo
Today · 4.125%
HK$39,685
baseline
▲ 0.50% · 4.625%
HK$41,777
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,370/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,484
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,712
−HK$1,248/mo
Today · 4.125%
HK$41,960
baseline
▲ 0.50% · 4.625%
HK$44,513
+HK$2,553/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,920/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,926
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,104
−HK$1,195/mo
Today · 4.125%
HK$46,299
baseline
▲ 0.50% · 4.625%
HK$48,739
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,598/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,765
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,345
−HK$1,604/mo
Today · 4.125%
HK$53,949
baseline
▲ 0.50% · 4.625%
HK$57,232
+HK$3,283/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,898/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,476
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,991
−HK$1,536/mo
Today · 4.125%
HK$59,527
baseline
▲ 0.50% · 4.625%
HK$62,665
+HK$3,138/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,054/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,814 · Scale 2, in force from 26 Feb 2026)