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$28,198
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,075
−HK$891/mo
Today · 4.125%
HK$29,966
baseline
▲ 0.50% · 4.625%
HK$31,790
+HK$1,824/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,932/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,370
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,212
−HK$853/mo
Today · 4.125%
HK$33,065
baseline
▲ 0.50% · 4.625%
HK$34,808
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,130/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,838
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,890
−HK$1,070/mo
Today · 4.125%
HK$35,960
baseline
▲ 0.50% · 4.625%
HK$38,148
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,920/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,644
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,654
−HK$1,024/mo
Today · 4.125%
HK$39,678
baseline
▲ 0.50% · 4.625%
HK$41,770
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,356/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,477
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,705
−HK$1,248/mo
Today · 4.125%
HK$41,953
baseline
▲ 0.50% · 4.625%
HK$44,506
+HK$2,553/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,906/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,918
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,096
−HK$1,195/mo
Today · 4.125%
HK$46,291
baseline
▲ 0.50% · 4.625%
HK$48,731
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,582/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,757
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,336
−HK$1,604/mo
Today · 4.125%
HK$53,940
baseline
▲ 0.50% · 4.625%
HK$57,222
+HK$3,282/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,880/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,466
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,981
−HK$1,536/mo
Today · 4.125%
HK$59,517
baseline
▲ 0.50% · 4.625%
HK$62,654
+HK$3,137/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,034/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,734 · Scale 2, in force from 26 Feb 2026)