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$28,139
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,014
−HK$889/mo
Today · 4.125%
HK$29,903
baseline
▲ 0.50% · 4.625%
HK$31,723
+HK$1,820/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$462,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,304
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,144
−HK$852/mo
Today · 4.125%
HK$32,996
baseline
▲ 0.50% · 4.625%
HK$34,735
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,992/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,767
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,817
−HK$1,067/mo
Today · 4.125%
HK$35,884
baseline
▲ 0.50% · 4.625%
HK$38,068
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$71,768/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,565
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,573
−HK$1,022/mo
Today · 4.125%
HK$39,595
baseline
▲ 0.50% · 4.625%
HK$41,682
+HK$2,087/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$79,190/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,394
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,620
−HK$1,245/mo
Today · 4.125%
HK$41,865
baseline
▲ 0.50% · 4.625%
HK$44,412
+HK$2,547/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,730/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,826
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,001
−HK$1,193/mo
Today · 4.125%
HK$46,194
baseline
▲ 0.50% · 4.625%
HK$48,629
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,388/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,650
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,225
−HK$1,601/mo
Today · 4.125%
HK$53,826
baseline
▲ 0.50% · 4.625%
HK$57,101
+HK$3,275/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,652/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,348
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,859
−HK$1,533/mo
Today · 4.125%
HK$59,392
baseline
▲ 0.50% · 4.625%
HK$62,523
+HK$3,131/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,784/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,759 · Scale 2, in force from 26 Feb 2026)