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$28,190
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,067
−HK$891/mo
Today · 4.125%
HK$29,958
baseline
▲ 0.50% · 4.625%
HK$31,781
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,916/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,361
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,203
−HK$853/mo
Today · 4.125%
HK$33,056
baseline
▲ 0.50% · 4.625%
HK$34,798
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,112/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,828
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,881
−HK$1,069/mo
Today · 4.125%
HK$35,950
baseline
▲ 0.50% · 4.625%
HK$38,137
+HK$2,187/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,900/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,634
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,643
−HK$1,024/mo
Today · 4.125%
HK$39,667
baseline
▲ 0.50% · 4.625%
HK$41,758
+HK$2,091/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,334/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,466
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,694
−HK$1,247/mo
Today · 4.125%
HK$41,941
baseline
▲ 0.50% · 4.625%
HK$44,493
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,882/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,906
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,084
−HK$1,194/mo
Today · 4.125%
HK$46,278
baseline
▲ 0.50% · 4.625%
HK$48,718
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,556/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,743
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,321
−HK$1,604/mo
Today · 4.125%
HK$53,925
baseline
▲ 0.50% · 4.625%
HK$57,206
+HK$3,281/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,850/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,451
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,965
−HK$1,535/mo
Today · 4.125%
HK$59,500
baseline
▲ 0.50% · 4.625%
HK$62,637
+HK$3,137/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,000/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,605 · Scale 2, in force from 26 Feb 2026)