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$28,167
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,044
−HK$890/mo
Today · 4.125%
HK$29,934
baseline
▲ 0.50% · 4.625%
HK$31,755
+HK$1,821/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,868/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,336
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,176
−HK$853/mo
Today · 4.125%
HK$33,029
baseline
▲ 0.50% · 4.625%
HK$34,770
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,058/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,801
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,852
−HK$1,069/mo
Today · 4.125%
HK$35,921
baseline
▲ 0.50% · 4.625%
HK$38,106
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,842/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,603
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,612
−HK$1,023/mo
Today · 4.125%
HK$39,635
baseline
▲ 0.50% · 4.625%
HK$41,724
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,270/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,434
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,661
−HK$1,246/mo
Today · 4.125%
HK$41,907
baseline
▲ 0.50% · 4.625%
HK$44,457
+HK$2,550/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,814/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,870
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,047
−HK$1,194/mo
Today · 4.125%
HK$46,241
baseline
▲ 0.50% · 4.625%
HK$48,678
+HK$2,437/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,482/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,701
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,278
−HK$1,603/mo
Today · 4.125%
HK$53,881
baseline
▲ 0.50% · 4.625%
HK$57,159
+HK$3,278/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,762/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,405
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,918
−HK$1,534/mo
Today · 4.125%
HK$59,452
baseline
▲ 0.50% · 4.625%
HK$62,586
+HK$3,134/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,904/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,229 · Scale 2, in force from 26 Feb 2026)