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$28,207
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,084
−HK$892/mo
Today · 4.125%
HK$29,976
baseline
▲ 0.50% · 4.625%
HK$31,799
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,952/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,380
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,221
−HK$854/mo
Today · 4.125%
HK$33,075
baseline
▲ 0.50% · 4.625%
HK$34,818
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,150/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,848
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,901
−HK$1,070/mo
Today · 4.125%
HK$35,971
baseline
▲ 0.50% · 4.625%
HK$38,159
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,942/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,656
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,666
−HK$1,024/mo
Today · 4.125%
HK$39,690
baseline
▲ 0.50% · 4.625%
HK$41,782
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,380/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,489
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,718
−HK$1,248/mo
Today · 4.125%
HK$41,966
baseline
▲ 0.50% · 4.625%
HK$44,519
+HK$2,553/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,932/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,932
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,110
−HK$1,195/mo
Today · 4.125%
HK$46,305
baseline
▲ 0.50% · 4.625%
HK$48,746
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,610/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,772
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,351
−HK$1,605/mo
Today · 4.125%
HK$53,956
baseline
▲ 0.50% · 4.625%
HK$57,239
+HK$3,283/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,912/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,483
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$57,998
−HK$1,537/mo
Today · 4.125%
HK$59,535
baseline
▲ 0.50% · 4.625%
HK$62,673
+HK$3,138/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,070/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,875 · Scale 2, in force from 26 Feb 2026)