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$28,121
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,995
−HK$889/mo
Today · 4.125%
HK$29,884
baseline
▲ 0.50% · 4.625%
HK$31,703
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,768/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,284
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,123
−HK$851/mo
Today · 4.125%
HK$32,974
baseline
▲ 0.50% · 4.625%
HK$34,712
+HK$1,738/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,948/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,745
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,795
−HK$1,066/mo
Today · 4.125%
HK$35,861
baseline
▲ 0.50% · 4.625%
HK$38,043
+HK$2,182/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,722/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,541
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,548
−HK$1,021/mo
Today · 4.125%
HK$39,569
baseline
▲ 0.50% · 4.625%
HK$41,655
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,138/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,369
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,594
−HK$1,244/mo
Today · 4.125%
HK$41,838
baseline
▲ 0.50% · 4.625%
HK$44,384
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,676/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,798
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,972
−HK$1,192/mo
Today · 4.125%
HK$46,164
baseline
▲ 0.50% · 4.625%
HK$48,597
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,328/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,617
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,192
−HK$1,599/mo
Today · 4.125%
HK$53,791
baseline
▲ 0.50% · 4.625%
HK$57,065
+HK$3,274/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,582/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,311
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,822
−HK$1,532/mo
Today · 4.125%
HK$59,354
baseline
▲ 0.50% · 4.625%
HK$62,482
+HK$3,128/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,708/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,461 · Scale 2, in force from 26 Feb 2026)