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$28,132
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,007
−HK$890/mo
Today · 4.125%
HK$29,897
baseline
▲ 0.50% · 4.625%
HK$31,716
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,794/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,297
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,136
−HK$852/mo
Today · 4.125%
HK$32,988
baseline
▲ 0.50% · 4.625%
HK$34,727
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,976/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,759
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,809
−HK$1,067/mo
Today · 4.125%
HK$35,876
baseline
▲ 0.50% · 4.625%
HK$38,059
+HK$2,183/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,752/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,556
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,564
−HK$1,021/mo
Today · 4.125%
HK$39,585
baseline
▲ 0.50% · 4.625%
HK$41,672
+HK$2,087/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,170/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,385
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,610
−HK$1,245/mo
Today · 4.125%
HK$41,855
baseline
▲ 0.50% · 4.625%
HK$44,402
+HK$2,547/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,710/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,816
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,991
−HK$1,192/mo
Today · 4.125%
HK$46,183
baseline
▲ 0.50% · 4.625%
HK$48,617
+HK$2,434/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,366/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,638
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,213
−HK$1,601/mo
Today · 4.125%
HK$53,814
baseline
▲ 0.50% · 4.625%
HK$57,088
+HK$3,274/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,628/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,335
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,845
−HK$1,533/mo
Today · 4.125%
HK$59,378
baseline
▲ 0.50% · 4.625%
HK$62,508
+HK$3,130/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,756/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,652 · Scale 2, in force from 26 Feb 2026)