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$28,169
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,045
−HK$890/mo
Today · 4.125%
HK$29,935
baseline
▲ 0.50% · 4.625%
HK$31,757
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,870/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,337
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,178
−HK$852/mo
Today · 4.125%
HK$33,030
baseline
▲ 0.50% · 4.625%
HK$34,771
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,060/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,802
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,854
−HK$1,068/mo
Today · 4.125%
HK$35,922
baseline
▲ 0.50% · 4.625%
HK$38,108
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,844/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,605
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,613
−HK$1,023/mo
Today · 4.125%
HK$39,636
baseline
▲ 0.50% · 4.625%
HK$41,726
+HK$2,090/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,272/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,436
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,663
−HK$1,246/mo
Today · 4.125%
HK$41,909
baseline
▲ 0.50% · 4.625%
HK$44,459
+HK$2,550/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,818/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,872
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,049
−HK$1,194/mo
Today · 4.125%
HK$46,243
baseline
▲ 0.50% · 4.625%
HK$48,680
+HK$2,437/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,486/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,704
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,281
−HK$1,602/mo
Today · 4.125%
HK$53,883
baseline
▲ 0.50% · 4.625%
HK$57,162
+HK$3,279/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,766/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,407
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,920
−HK$1,535/mo
Today · 4.125%
HK$59,455
baseline
▲ 0.50% · 4.625%
HK$62,589
+HK$3,134/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,910/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,248 · Scale 2, in force from 26 Feb 2026)