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$28,140
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,015
−HK$889/mo
Today · 4.125%
HK$29,904
baseline
▲ 0.50% · 4.625%
HK$31,724
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,808/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,305
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,145
−HK$852/mo
Today · 4.125%
HK$32,997
baseline
▲ 0.50% · 4.625%
HK$34,736
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,994/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,768
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,818
−HK$1,067/mo
Today · 4.125%
HK$35,885
baseline
▲ 0.50% · 4.625%
HK$38,069
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$71,770/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,566
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,574
−HK$1,022/mo
Today · 4.125%
HK$39,596
baseline
▲ 0.50% · 4.625%
HK$41,683
+HK$2,087/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$79,192/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,396
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,621
−HK$1,245/mo
Today · 4.125%
HK$41,866
baseline
▲ 0.50% · 4.625%
HK$44,414
+HK$2,548/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,732/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,827
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,003
−HK$1,192/mo
Today · 4.125%
HK$46,195
baseline
▲ 0.50% · 4.625%
HK$48,630
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,390/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,652
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,227
−HK$1,601/mo
Today · 4.125%
HK$53,828
baseline
▲ 0.50% · 4.625%
HK$57,103
+HK$3,275/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,656/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,349
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,861
−HK$1,533/mo
Today · 4.125%
HK$59,394
baseline
▲ 0.50% · 4.625%
HK$62,524
+HK$3,130/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,788/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,773 · Scale 2, in force from 26 Feb 2026)