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$28,147
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,022
−HK$890/mo
Today · 4.125%
HK$29,912
baseline
▲ 0.50% · 4.625%
HK$31,732
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,824/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,313
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,153
−HK$852/mo
Today · 4.125%
HK$33,005
baseline
▲ 0.50% · 4.625%
HK$34,744
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,010/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,776
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,827
−HK$1,067/mo
Today · 4.125%
HK$35,894
baseline
▲ 0.50% · 4.625%
HK$38,078
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,788/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,575
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,583
−HK$1,022/mo
Today · 4.125%
HK$39,605
baseline
▲ 0.50% · 4.625%
HK$41,693
+HK$2,088/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,210/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,405
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,631
−HK$1,245/mo
Today · 4.125%
HK$41,876
baseline
▲ 0.50% · 4.625%
HK$44,424
+HK$2,548/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,752/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,838
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,014
−HK$1,192/mo
Today · 4.125%
HK$46,206
baseline
▲ 0.50% · 4.625%
HK$48,642
+HK$2,436/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,412/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,664
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,240
−HK$1,601/mo
Today · 4.125%
HK$53,841
baseline
▲ 0.50% · 4.625%
HK$57,117
+HK$3,276/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,682/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,363
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,875
−HK$1,533/mo
Today · 4.125%
HK$59,408
baseline
▲ 0.50% · 4.625%
HK$62,540
+HK$3,132/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,816/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,886 · Scale 2, in force from 26 Feb 2026)