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$28,116
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,991
−HK$888/mo
Today · 4.125%
HK$29,879
baseline
▲ 0.50% · 4.625%
HK$31,698
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,758/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,279
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,118
−HK$851/mo
Today · 4.125%
HK$32,969
baseline
▲ 0.50% · 4.625%
HK$34,707
+HK$1,738/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,938/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,740
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,789
−HK$1,066/mo
Today · 4.125%
HK$35,855
baseline
▲ 0.50% · 4.625%
HK$38,037
+HK$2,182/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,710/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,535
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,542
−HK$1,021/mo
Today · 4.125%
HK$39,563
baseline
▲ 0.50% · 4.625%
HK$41,648
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,126/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,363
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,587
−HK$1,244/mo
Today · 4.125%
HK$41,831
baseline
▲ 0.50% · 4.625%
HK$44,377
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,662/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,791
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,965
−HK$1,192/mo
Today · 4.125%
HK$46,157
baseline
▲ 0.50% · 4.625%
HK$48,590
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,314/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,609
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,184
−HK$1,599/mo
Today · 4.125%
HK$53,783
baseline
▲ 0.50% · 4.625%
HK$57,056
+HK$3,273/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,566/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,302
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,812
−HK$1,532/mo
Today · 4.125%
HK$59,344
baseline
▲ 0.50% · 4.625%
HK$62,472
+HK$3,128/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,688/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,388 · Scale 2, in force from 26 Feb 2026)