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$28,185
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,062
−HK$890/mo
Today · 4.125%
HK$29,952
baseline
▲ 0.50% · 4.625%
HK$31,775
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,904/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,355
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,196
−HK$854/mo
Today · 4.125%
HK$33,050
baseline
▲ 0.50% · 4.625%
HK$34,792
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,100/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,822
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,874
−HK$1,069/mo
Today · 4.125%
HK$35,943
baseline
▲ 0.50% · 4.625%
HK$38,130
+HK$2,187/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$71,886/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,627
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,636
−HK$1,023/mo
Today · 4.125%
HK$39,659
baseline
▲ 0.50% · 4.625%
HK$41,750
+HK$2,091/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$79,318/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,459
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,686
−HK$1,247/mo
Today · 4.125%
HK$41,933
baseline
▲ 0.50% · 4.625%
HK$44,485
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,866/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,898
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,075
−HK$1,194/mo
Today · 4.125%
HK$46,269
baseline
▲ 0.50% · 4.625%
HK$48,708
+HK$2,439/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,538/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,733
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,311
−HK$1,603/mo
Today · 4.125%
HK$53,914
baseline
▲ 0.50% · 4.625%
HK$57,195
+HK$3,281/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,828/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,440
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,954
−HK$1,535/mo
Today · 4.125%
HK$59,489
baseline
▲ 0.50% · 4.625%
HK$62,625
+HK$3,136/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,978/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,516 · Scale 2, in force from 26 Feb 2026)