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$28,205
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,082
−HK$891/mo
Today · 4.125%
HK$29,973
baseline
▲ 0.50% · 4.625%
HK$31,797
+HK$1,824/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,946/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,377
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,219
−HK$854/mo
Today · 4.125%
HK$33,073
baseline
▲ 0.50% · 4.625%
HK$34,816
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,146/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,845
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,898
−HK$1,070/mo
Today · 4.125%
HK$35,968
baseline
▲ 0.50% · 4.625%
HK$38,156
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,936/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,653
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,663
−HK$1,024/mo
Today · 4.125%
HK$39,687
baseline
▲ 0.50% · 4.625%
HK$41,779
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,374/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,486
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,715
−HK$1,248/mo
Today · 4.125%
HK$41,963
baseline
▲ 0.50% · 4.625%
HK$44,516
+HK$2,553/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,926/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,928
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,106
−HK$1,196/mo
Today · 4.125%
HK$46,302
baseline
▲ 0.50% · 4.625%
HK$48,742
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,604/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,768
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,347
−HK$1,605/mo
Today · 4.125%
HK$53,952
baseline
▲ 0.50% · 4.625%
HK$57,235
+HK$3,283/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,904/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,479
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$57,994
−HK$1,537/mo
Today · 4.125%
HK$59,531
baseline
▲ 0.50% · 4.625%
HK$62,668
+HK$3,137/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,062/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,839 · Scale 2, in force from 26 Feb 2026)