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$28,149
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,024
−HK$890/mo
Today · 4.125%
HK$29,914
baseline
▲ 0.50% · 4.625%
HK$31,734
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,828/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,315
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,155
−HK$852/mo
Today · 4.125%
HK$33,007
baseline
▲ 0.50% · 4.625%
HK$34,747
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,014/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,778
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,829
−HK$1,068/mo
Today · 4.125%
HK$35,897
baseline
▲ 0.50% · 4.625%
HK$38,081
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,794/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,578
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,586
−HK$1,022/mo
Today · 4.125%
HK$39,608
baseline
▲ 0.50% · 4.625%
HK$41,696
+HK$2,088/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,216/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,408
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,634
−HK$1,245/mo
Today · 4.125%
HK$41,879
baseline
▲ 0.50% · 4.625%
HK$44,428
+HK$2,549/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,758/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,841
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,017
−HK$1,193/mo
Today · 4.125%
HK$46,210
baseline
▲ 0.50% · 4.625%
HK$48,645
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,420/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,667
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,244
−HK$1,601/mo
Today · 4.125%
HK$53,845
baseline
▲ 0.50% · 4.625%
HK$57,121
+HK$3,276/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,690/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,367
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,879
−HK$1,533/mo
Today · 4.125%
HK$59,412
baseline
▲ 0.50% · 4.625%
HK$62,544
+HK$3,132/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,824/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,919 · Scale 2, in force from 26 Feb 2026)