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$28,154
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,030
−HK$889/mo
Today · 4.125%
HK$29,919
baseline
▲ 0.50% · 4.625%
HK$31,740
+HK$1,821/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,838/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,321
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,161
−HK$852/mo
Today · 4.125%
HK$33,013
baseline
▲ 0.50% · 4.625%
HK$34,753
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,026/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,785
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,836
−HK$1,067/mo
Today · 4.125%
HK$35,903
baseline
▲ 0.50% · 4.625%
HK$38,088
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,806/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,585
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,593
−HK$1,023/mo
Today · 4.125%
HK$39,616
baseline
▲ 0.50% · 4.625%
HK$41,704
+HK$2,088/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,232/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,416
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,642
−HK$1,245/mo
Today · 4.125%
HK$41,887
baseline
▲ 0.50% · 4.625%
HK$44,436
+HK$2,549/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,774/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,849
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,025
−HK$1,193/mo
Today · 4.125%
HK$46,218
baseline
▲ 0.50% · 4.625%
HK$48,655
+HK$2,437/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,436/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,677
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,253
−HK$1,602/mo
Today · 4.125%
HK$53,855
baseline
▲ 0.50% · 4.625%
HK$57,132
+HK$3,277/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,710/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,378
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,890
−HK$1,534/mo
Today · 4.125%
HK$59,424
baseline
▲ 0.50% · 4.625%
HK$62,556
+HK$3,132/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,848/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,007 · Scale 2, in force from 26 Feb 2026)