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$28,201
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,078
−HK$891/mo
Today · 4.125%
HK$29,969
baseline
▲ 0.50% · 4.625%
HK$31,793
+HK$1,824/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,938/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,373
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,215
−HK$853/mo
Today · 4.125%
HK$33,068
baseline
▲ 0.50% · 4.625%
HK$34,811
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,136/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,841
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,894
−HK$1,069/mo
Today · 4.125%
HK$35,963
baseline
▲ 0.50% · 4.625%
HK$38,152
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,926/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,648
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,658
−HK$1,024/mo
Today · 4.125%
HK$39,682
baseline
▲ 0.50% · 4.625%
HK$41,774
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,364/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,481
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,710
−HK$1,247/mo
Today · 4.125%
HK$41,957
baseline
▲ 0.50% · 4.625%
HK$44,510
+HK$2,553/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,914/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,923
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,101
−HK$1,195/mo
Today · 4.125%
HK$46,296
baseline
▲ 0.50% · 4.625%
HK$48,736
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,592/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,762
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,341
−HK$1,604/mo
Today · 4.125%
HK$53,945
baseline
▲ 0.50% · 4.625%
HK$57,227
+HK$3,282/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,890/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,472
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,987
−HK$1,536/mo
Today · 4.125%
HK$59,523
baseline
▲ 0.50% · 4.625%
HK$62,661
+HK$3,138/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,046/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,781 · Scale 2, in force from 26 Feb 2026)