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$28,118
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,993
−HK$888/mo
Today · 4.125%
HK$29,881
baseline
▲ 0.50% · 4.625%
HK$31,699
+HK$1,818/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,762/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,281
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,120
−HK$851/mo
Today · 4.125%
HK$32,971
baseline
▲ 0.50% · 4.625%
HK$34,709
+HK$1,738/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,942/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,741
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,791
−HK$1,066/mo
Today · 4.125%
HK$35,857
baseline
▲ 0.50% · 4.625%
HK$38,039
+HK$2,182/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,714/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,537
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,544
−HK$1,021/mo
Today · 4.125%
HK$39,565
baseline
▲ 0.50% · 4.625%
HK$41,651
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,130/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,365
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,590
−HK$1,244/mo
Today · 4.125%
HK$41,834
baseline
▲ 0.50% · 4.625%
HK$44,379
+HK$2,545/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,668/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,793
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,968
−HK$1,191/mo
Today · 4.125%
HK$46,159
baseline
▲ 0.50% · 4.625%
HK$48,592
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,318/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,612
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,187
−HK$1,599/mo
Today · 4.125%
HK$53,786
baseline
▲ 0.50% · 4.625%
HK$57,059
+HK$3,273/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,572/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,306
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,816
−HK$1,532/mo
Today · 4.125%
HK$59,348
baseline
▲ 0.50% · 4.625%
HK$62,476
+HK$3,128/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,696/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,414 · Scale 2, in force from 26 Feb 2026)