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$28,127
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,002
−HK$889/mo
Today · 4.125%
HK$29,891
baseline
▲ 0.50% · 4.625%
HK$31,709
+HK$1,818/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,782/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,291
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,130
−HK$851/mo
Today · 4.125%
HK$32,981
baseline
▲ 0.50% · 4.625%
HK$34,720
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,962/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,752
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,802
−HK$1,067/mo
Today · 4.125%
HK$35,869
baseline
▲ 0.50% · 4.625%
HK$38,051
+HK$2,182/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,738/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,549
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,556
−HK$1,022/mo
Today · 4.125%
HK$39,578
baseline
▲ 0.50% · 4.625%
HK$41,664
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,156/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,377
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,602
−HK$1,245/mo
Today · 4.125%
HK$41,847
baseline
▲ 0.50% · 4.625%
HK$44,393
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,694/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,807
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,982
−HK$1,192/mo
Today · 4.125%
HK$46,174
baseline
▲ 0.50% · 4.625%
HK$48,608
+HK$2,434/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,348/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,628
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,203
−HK$1,600/mo
Today · 4.125%
HK$53,803
baseline
▲ 0.50% · 4.625%
HK$57,077
+HK$3,274/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,606/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,323
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,834
−HK$1,532/mo
Today · 4.125%
HK$59,366
baseline
▲ 0.50% · 4.625%
HK$62,496
+HK$3,130/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,732/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,560 · Scale 2, in force from 26 Feb 2026)