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$28,171
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,047
−HK$890/mo
Today · 4.125%
HK$29,937
baseline
▲ 0.50% · 4.625%
HK$31,759
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,874/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,340
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,180
−HK$853/mo
Today · 4.125%
HK$33,033
baseline
▲ 0.50% · 4.625%
HK$34,774
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,066/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,805
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,857
−HK$1,068/mo
Today · 4.125%
HK$35,925
baseline
▲ 0.50% · 4.625%
HK$38,111
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,850/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,608
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,616
−HK$1,024/mo
Today · 4.125%
HK$39,640
baseline
▲ 0.50% · 4.625%
HK$41,729
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,280/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,439
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,666
−HK$1,246/mo
Today · 4.125%
HK$41,912
baseline
▲ 0.50% · 4.625%
HK$44,463
+HK$2,551/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,824/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,876
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,052
−HK$1,194/mo
Today · 4.125%
HK$46,246
baseline
▲ 0.50% · 4.625%
HK$48,684
+HK$2,438/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,492/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,708
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,285
−HK$1,602/mo
Today · 4.125%
HK$53,887
baseline
▲ 0.50% · 4.625%
HK$57,166
+HK$3,279/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,774/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,412
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,925
−HK$1,534/mo
Today · 4.125%
HK$59,459
baseline
▲ 0.50% · 4.625%
HK$62,594
+HK$3,135/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,918/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,285 · Scale 2, in force from 26 Feb 2026)