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$28,162
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,038
−HK$890/mo
Today · 4.125%
HK$29,928
baseline
▲ 0.50% · 4.625%
HK$31,749
+HK$1,821/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,856/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,330
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,170
−HK$853/mo
Today · 4.125%
HK$33,023
baseline
▲ 0.50% · 4.625%
HK$34,763
+HK$1,740/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,046/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,794
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,846
−HK$1,068/mo
Today · 4.125%
HK$35,914
baseline
▲ 0.50% · 4.625%
HK$38,099
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,828/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,596
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,604
−HK$1,023/mo
Today · 4.125%
HK$39,627
baseline
▲ 0.50% · 4.625%
HK$41,716
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,254/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,427
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,653
−HK$1,246/mo
Today · 4.125%
HK$41,899
baseline
▲ 0.50% · 4.625%
HK$44,449
+HK$2,550/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,798/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,862
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,038
−HK$1,194/mo
Today · 4.125%
HK$46,232
baseline
▲ 0.50% · 4.625%
HK$48,669
+HK$2,437/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,464/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,692
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,268
−HK$1,602/mo
Today · 4.125%
HK$53,870
baseline
▲ 0.50% · 4.625%
HK$57,148
+HK$3,278/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,740/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,394
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,906
−HK$1,535/mo
Today · 4.125%
HK$59,441
baseline
▲ 0.50% · 4.625%
HK$62,574
+HK$3,133/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,882/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,139 · Scale 2, in force from 26 Feb 2026)