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$28,119
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,993
−HK$889/mo
Today · 4.125%
HK$29,882
baseline
▲ 0.50% · 4.625%
HK$31,700
+HK$1,818/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,764/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,282
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,121
−HK$851/mo
Today · 4.125%
HK$32,972
baseline
▲ 0.50% · 4.625%
HK$34,710
+HK$1,738/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,944/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,743
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,792
−HK$1,067/mo
Today · 4.125%
HK$35,859
baseline
▲ 0.50% · 4.625%
HK$38,040
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,718/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,538
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,545
−HK$1,021/mo
Today · 4.125%
HK$39,566
baseline
▲ 0.50% · 4.625%
HK$41,652
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,132/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,366
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,591
−HK$1,244/mo
Today · 4.125%
HK$41,835
baseline
▲ 0.50% · 4.625%
HK$44,381
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,670/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,795
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,969
−HK$1,192/mo
Today · 4.125%
HK$46,161
baseline
▲ 0.50% · 4.625%
HK$48,594
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,322/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,614
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,188
−HK$1,600/mo
Today · 4.125%
HK$53,788
baseline
▲ 0.50% · 4.625%
HK$57,061
+HK$3,273/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,576/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,307
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,818
−HK$1,532/mo
Today · 4.125%
HK$59,350
baseline
▲ 0.50% · 4.625%
HK$62,478
+HK$3,128/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,700/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,429 · Scale 2, in force from 26 Feb 2026)