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$28,123
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,998
−HK$888/mo
Today · 4.125%
HK$29,886
baseline
▲ 0.50% · 4.625%
HK$31,705
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,772/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,286
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,125
−HK$852/mo
Today · 4.125%
HK$32,977
baseline
▲ 0.50% · 4.625%
HK$34,715
+HK$1,738/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,954/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,747
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,797
−HK$1,067/mo
Today · 4.125%
HK$35,864
baseline
▲ 0.50% · 4.625%
HK$38,046
+HK$2,182/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,728/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,544
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,551
−HK$1,021/mo
Today · 4.125%
HK$39,572
baseline
▲ 0.50% · 4.625%
HK$41,658
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,144/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,372
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,597
−HK$1,244/mo
Today · 4.125%
HK$41,841
baseline
▲ 0.50% · 4.625%
HK$44,387
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,682/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,801
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,976
−HK$1,191/mo
Today · 4.125%
HK$46,167
baseline
▲ 0.50% · 4.625%
HK$48,601
+HK$2,434/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,334/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,621
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,196
−HK$1,599/mo
Today · 4.125%
HK$53,795
baseline
▲ 0.50% · 4.625%
HK$57,069
+HK$3,274/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,590/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,315
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,826
−HK$1,532/mo
Today · 4.125%
HK$59,358
baseline
▲ 0.50% · 4.625%
HK$62,487
+HK$3,129/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,716/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,495 · Scale 2, in force from 26 Feb 2026)