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$28,152
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,027
−HK$890/mo
Today · 4.125%
HK$29,917
baseline
▲ 0.50% · 4.625%
HK$31,737
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,834/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,318
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,158
−HK$852/mo
Today · 4.125%
HK$33,010
baseline
▲ 0.50% · 4.625%
HK$34,750
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,020/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,782
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,833
−HK$1,067/mo
Today · 4.125%
HK$35,900
baseline
▲ 0.50% · 4.625%
HK$38,085
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,800/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,582
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,590
−HK$1,022/mo
Today · 4.125%
HK$39,612
baseline
▲ 0.50% · 4.625%
HK$41,701
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,224/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,412
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,638
−HK$1,246/mo
Today · 4.125%
HK$41,884
baseline
▲ 0.50% · 4.625%
HK$44,432
+HK$2,548/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,768/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,846
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,022
−HK$1,193/mo
Today · 4.125%
HK$46,215
baseline
▲ 0.50% · 4.625%
HK$48,651
+HK$2,436/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,430/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,673
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,249
−HK$1,602/mo
Today · 4.125%
HK$53,851
baseline
▲ 0.50% · 4.625%
HK$57,127
+HK$3,276/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,702/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,373
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,885
−HK$1,534/mo
Today · 4.125%
HK$59,419
baseline
▲ 0.50% · 4.625%
HK$62,551
+HK$3,132/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,838/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,968 · Scale 2, in force from 26 Feb 2026)