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$28,193
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,070
−HK$891/mo
Today · 4.125%
HK$29,961
baseline
▲ 0.50% · 4.625%
HK$31,785
+HK$1,824/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,922/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,365
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,206
−HK$853/mo
Today · 4.125%
HK$33,059
baseline
▲ 0.50% · 4.625%
HK$34,802
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,118/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,832
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,885
−HK$1,069/mo
Today · 4.125%
HK$35,954
baseline
▲ 0.50% · 4.625%
HK$38,141
+HK$2,187/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,908/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,638
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,647
−HK$1,024/mo
Today · 4.125%
HK$39,671
baseline
▲ 0.50% · 4.625%
HK$41,763
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,342/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,471
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,699
−HK$1,247/mo
Today · 4.125%
HK$41,946
baseline
▲ 0.50% · 4.625%
HK$44,498
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,892/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,911
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,089
−HK$1,194/mo
Today · 4.125%
HK$46,283
baseline
▲ 0.50% · 4.625%
HK$48,723
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,566/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,748
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,327
−HK$1,604/mo
Today · 4.125%
HK$53,931
baseline
▲ 0.50% · 4.625%
HK$57,212
+HK$3,281/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,862/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,457
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,971
−HK$1,536/mo
Today · 4.125%
HK$59,507
baseline
▲ 0.50% · 4.625%
HK$62,644
+HK$3,137/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,014/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,657 · Scale 2, in force from 26 Feb 2026)