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$28,116
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,990
−HK$889/mo
Today · 4.125%
HK$29,879
baseline
▲ 0.50% · 4.625%
HK$31,697
+HK$1,818/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,758/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,278
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,117
−HK$851/mo
Today · 4.125%
HK$32,968
baseline
▲ 0.50% · 4.625%
HK$34,706
+HK$1,738/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,936/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,739
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,788
−HK$1,066/mo
Today · 4.125%
HK$35,854
baseline
▲ 0.50% · 4.625%
HK$38,036
+HK$2,182/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,708/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,534
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,541
−HK$1,021/mo
Today · 4.125%
HK$39,562
baseline
▲ 0.50% · 4.625%
HK$41,647
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,124/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,362
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,586
−HK$1,244/mo
Today · 4.125%
HK$41,830
baseline
▲ 0.50% · 4.625%
HK$44,375
+HK$2,545/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,660/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,790
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,964
−HK$1,191/mo
Today · 4.125%
HK$46,155
baseline
▲ 0.50% · 4.625%
HK$48,588
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,310/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,608
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,182
−HK$1,600/mo
Today · 4.125%
HK$53,782
baseline
▲ 0.50% · 4.625%
HK$57,054
+HK$3,272/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,564/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,301
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,811
−HK$1,532/mo
Today · 4.125%
HK$59,343
baseline
▲ 0.50% · 4.625%
HK$62,471
+HK$3,128/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,686/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,376 · Scale 2, in force from 26 Feb 2026)