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$28,141
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,017
−HK$889/mo
Today · 4.125%
HK$29,906
baseline
▲ 0.50% · 4.625%
HK$31,726
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,812/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,307
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,147
−HK$851/mo
Today · 4.125%
HK$32,998
baseline
▲ 0.50% · 4.625%
HK$34,738
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,996/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,770
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,820
−HK$1,067/mo
Today · 4.125%
HK$35,887
baseline
▲ 0.50% · 4.625%
HK$38,071
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$71,774/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,568
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,576
−HK$1,022/mo
Today · 4.125%
HK$39,598
baseline
▲ 0.50% · 4.625%
HK$41,685
+HK$2,087/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$79,196/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,398
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,623
−HK$1,245/mo
Today · 4.125%
HK$41,868
baseline
▲ 0.50% · 4.625%
HK$44,416
+HK$2,548/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,736/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,830
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,005
−HK$1,193/mo
Today · 4.125%
HK$46,198
baseline
▲ 0.50% · 4.625%
HK$48,633
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,396/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,654
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,230
−HK$1,601/mo
Today · 4.125%
HK$53,831
baseline
▲ 0.50% · 4.625%
HK$57,106
+HK$3,275/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,662/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,352
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,864
−HK$1,533/mo
Today · 4.125%
HK$59,397
baseline
▲ 0.50% · 4.625%
HK$62,528
+HK$3,131/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,794/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,799 · Scale 2, in force from 26 Feb 2026)