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$28,145
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,020
−HK$889/mo
Today · 4.125%
HK$29,909
baseline
▲ 0.50% · 4.625%
HK$31,729
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,818/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,311
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,150
−HK$852/mo
Today · 4.125%
HK$33,002
baseline
▲ 0.50% · 4.625%
HK$34,742
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,004/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,773
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,824
−HK$1,067/mo
Today · 4.125%
HK$35,891
baseline
▲ 0.50% · 4.625%
HK$38,075
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,782/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,573
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,580
−HK$1,023/mo
Today · 4.125%
HK$39,603
baseline
▲ 0.50% · 4.625%
HK$41,690
+HK$2,087/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,206/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,402
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,628
−HK$1,245/mo
Today · 4.125%
HK$41,873
baseline
▲ 0.50% · 4.625%
HK$44,421
+HK$2,548/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,746/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,835
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,010
−HK$1,193/mo
Today · 4.125%
HK$46,203
baseline
▲ 0.50% · 4.625%
HK$48,638
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,406/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,660
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,236
−HK$1,601/mo
Today · 4.125%
HK$53,837
baseline
▲ 0.50% · 4.625%
HK$57,113
+HK$3,276/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,674/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,359
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,870
−HK$1,534/mo
Today · 4.125%
HK$59,404
baseline
▲ 0.50% · 4.625%
HK$62,535
+HK$3,131/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,808/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,852 · Scale 2, in force from 26 Feb 2026)