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$28,174
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,051
−HK$890/mo
Today · 4.125%
HK$29,941
baseline
▲ 0.50% · 4.625%
HK$31,763
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,882/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,344
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,184
−HK$853/mo
Today · 4.125%
HK$33,037
baseline
▲ 0.50% · 4.625%
HK$34,778
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,074/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,809
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,861
−HK$1,068/mo
Today · 4.125%
HK$35,929
baseline
▲ 0.50% · 4.625%
HK$38,115
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,858/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,612
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,621
−HK$1,023/mo
Today · 4.125%
HK$39,644
baseline
▲ 0.50% · 4.625%
HK$41,734
+HK$2,090/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,288/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,444
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,671
−HK$1,246/mo
Today · 4.125%
HK$41,917
baseline
▲ 0.50% · 4.625%
HK$44,468
+HK$2,551/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,834/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,881
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,058
−HK$1,194/mo
Today · 4.125%
HK$46,252
baseline
▲ 0.50% · 4.625%
HK$48,690
+HK$2,438/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,504/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,714
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,291
−HK$1,603/mo
Today · 4.125%
HK$53,894
baseline
▲ 0.50% · 4.625%
HK$57,173
+HK$3,279/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,788/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,418
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,931
−HK$1,535/mo
Today · 4.125%
HK$59,466
baseline
▲ 0.50% · 4.625%
HK$62,601
+HK$3,135/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,932/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,340 · Scale 2, in force from 26 Feb 2026)