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$28,213
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,091
−HK$891/mo
Today · 4.125%
HK$29,982
baseline
▲ 0.50% · 4.625%
HK$31,807
+HK$1,825/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,964/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,387
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,229
−HK$854/mo
Today · 4.125%
HK$33,083
baseline
▲ 0.50% · 4.625%
HK$34,827
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,166/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,856
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,909
−HK$1,070/mo
Today · 4.125%
HK$35,979
baseline
▲ 0.50% · 4.625%
HK$38,168
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,958/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,664
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,674
−HK$1,025/mo
Today · 4.125%
HK$39,699
baseline
▲ 0.50% · 4.625%
HK$41,792
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,398/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,499
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,727
−HK$1,248/mo
Today · 4.125%
HK$41,975
baseline
▲ 0.50% · 4.625%
HK$44,530
+HK$2,555/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,950/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,942
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,120
−HK$1,196/mo
Today · 4.125%
HK$46,316
baseline
▲ 0.50% · 4.625%
HK$48,757
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,632/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,784
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,363
−HK$1,605/mo
Today · 4.125%
HK$53,968
baseline
▲ 0.50% · 4.625%
HK$57,252
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$107,936/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,496
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,012
−HK$1,537/mo
Today · 4.125%
HK$59,549
baseline
▲ 0.50% · 4.625%
HK$62,688
+HK$3,139/mo
Deposit HK$1.24M · loan HK$11.14M · min. income ≈ HK$119,098/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,982 · Scale 2, in force from 26 Feb 2026)