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$28,170
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,047
−HK$890/mo
Today · 4.125%
HK$29,937
baseline
▲ 0.50% · 4.625%
HK$31,759
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,874/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,339
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,180
−HK$852/mo
Today · 4.125%
HK$33,032
baseline
▲ 0.50% · 4.625%
HK$34,774
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,064/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,804
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,856
−HK$1,068/mo
Today · 4.125%
HK$35,924
baseline
▲ 0.50% · 4.625%
HK$38,110
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,848/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,607
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,616
−HK$1,023/mo
Today · 4.125%
HK$39,639
baseline
▲ 0.50% · 4.625%
HK$41,728
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,278/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,439
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,665
−HK$1,247/mo
Today · 4.125%
HK$41,912
baseline
▲ 0.50% · 4.625%
HK$44,462
+HK$2,550/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,824/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,875
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,052
−HK$1,193/mo
Today · 4.125%
HK$46,245
baseline
▲ 0.50% · 4.625%
HK$48,683
+HK$2,438/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,490/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,707
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,284
−HK$1,603/mo
Today · 4.125%
HK$53,887
baseline
▲ 0.50% · 4.625%
HK$57,165
+HK$3,278/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,774/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,411
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,924
−HK$1,534/mo
Today · 4.125%
HK$59,458
baseline
▲ 0.50% · 4.625%
HK$62,593
+HK$3,135/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,916/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,278 · Scale 2, in force from 26 Feb 2026)