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$28,189
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,066
−HK$891/mo
Today · 4.125%
HK$29,957
baseline
▲ 0.50% · 4.625%
HK$31,780
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,914/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,360
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,201
−HK$853/mo
Today · 4.125%
HK$33,054
baseline
▲ 0.50% · 4.625%
HK$34,797
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,108/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,827
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,879
−HK$1,069/mo
Today · 4.125%
HK$35,948
baseline
▲ 0.50% · 4.625%
HK$38,135
+HK$2,187/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$71,896/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,632
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,641
−HK$1,024/mo
Today · 4.125%
HK$39,665
baseline
▲ 0.50% · 4.625%
HK$41,756
+HK$2,091/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$79,330/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,465
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,692
−HK$1,247/mo
Today · 4.125%
HK$41,939
baseline
▲ 0.50% · 4.625%
HK$44,491
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,878/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,904
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,082
−HK$1,194/mo
Today · 4.125%
HK$46,276
baseline
▲ 0.50% · 4.625%
HK$48,715
+HK$2,439/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,552/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,740
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,319
−HK$1,603/mo
Today · 4.125%
HK$53,922
baseline
▲ 0.50% · 4.625%
HK$57,203
+HK$3,281/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,844/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,448
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,962
−HK$1,536/mo
Today · 4.125%
HK$59,498
baseline
▲ 0.50% · 4.625%
HK$62,634
+HK$3,136/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$118,996/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,584 · Scale 2, in force from 26 Feb 2026)