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$28,138
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,014
−HK$889/mo
Today · 4.125%
HK$29,903
baseline
▲ 0.50% · 4.625%
HK$31,722
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,806/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,304
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,143
−HK$852/mo
Today · 4.125%
HK$32,995
baseline
▲ 0.50% · 4.625%
HK$34,734
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,990/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,766
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,816
−HK$1,067/mo
Today · 4.125%
HK$35,883
baseline
▲ 0.50% · 4.625%
HK$38,067
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$71,766/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,564
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,572
−HK$1,022/mo
Today · 4.125%
HK$39,594
baseline
▲ 0.50% · 4.625%
HK$41,681
+HK$2,087/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$79,188/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,394
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,619
−HK$1,245/mo
Today · 4.125%
HK$41,864
baseline
▲ 0.50% · 4.625%
HK$44,411
+HK$2,547/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,728/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,825
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,000
−HK$1,193/mo
Today · 4.125%
HK$46,193
baseline
▲ 0.50% · 4.625%
HK$48,628
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,386/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,649
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,224
−HK$1,601/mo
Today · 4.125%
HK$53,825
baseline
▲ 0.50% · 4.625%
HK$57,100
+HK$3,275/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,650/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,346
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,858
−HK$1,533/mo
Today · 4.125%
HK$59,391
baseline
▲ 0.50% · 4.625%
HK$62,521
+HK$3,130/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,782/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,749 · Scale 2, in force from 26 Feb 2026)