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$28,172
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,049
−HK$890/mo
Today · 4.125%
HK$29,939
baseline
▲ 0.50% · 4.625%
HK$31,761
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,878/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,341
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,182
−HK$853/mo
Today · 4.125%
HK$33,035
baseline
▲ 0.50% · 4.625%
HK$34,776
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,070/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,807
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,858
−HK$1,069/mo
Today · 4.125%
HK$35,927
baseline
▲ 0.50% · 4.625%
HK$38,113
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,854/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,610
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,618
−HK$1,024/mo
Today · 4.125%
HK$39,642
baseline
▲ 0.50% · 4.625%
HK$41,731
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,284/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,441
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,668
−HK$1,247/mo
Today · 4.125%
HK$41,915
baseline
▲ 0.50% · 4.625%
HK$44,465
+HK$2,550/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,830/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,878
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,055
−HK$1,194/mo
Today · 4.125%
HK$46,249
baseline
▲ 0.50% · 4.625%
HK$48,686
+HK$2,437/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,498/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,710
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,288
−HK$1,602/mo
Today · 4.125%
HK$53,890
baseline
▲ 0.50% · 4.625%
HK$57,169
+HK$3,279/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,780/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,415
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,928
−HK$1,534/mo
Today · 4.125%
HK$59,462
baseline
▲ 0.50% · 4.625%
HK$62,597
+HK$3,135/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,924/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,309 · Scale 2, in force from 26 Feb 2026)