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$28,120
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,994
−HK$889/mo
Today · 4.125%
HK$29,883
baseline
▲ 0.50% · 4.625%
HK$31,701
+HK$1,818/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,766/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,283
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,122
−HK$851/mo
Today · 4.125%
HK$32,973
baseline
▲ 0.50% · 4.625%
HK$34,711
+HK$1,738/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,946/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,744
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,793
−HK$1,067/mo
Today · 4.125%
HK$35,860
baseline
▲ 0.50% · 4.625%
HK$38,041
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,720/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,539
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,546
−HK$1,021/mo
Today · 4.125%
HK$39,567
baseline
▲ 0.50% · 4.625%
HK$41,653
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,134/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,367
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,592
−HK$1,244/mo
Today · 4.125%
HK$41,836
baseline
▲ 0.50% · 4.625%
HK$44,382
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,672/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,796
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,970
−HK$1,192/mo
Today · 4.125%
HK$46,162
baseline
▲ 0.50% · 4.625%
HK$48,595
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,324/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,615
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,190
−HK$1,599/mo
Today · 4.125%
HK$53,789
baseline
▲ 0.50% · 4.625%
HK$57,062
+HK$3,273/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,578/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,309
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,819
−HK$1,532/mo
Today · 4.125%
HK$59,351
baseline
▲ 0.50% · 4.625%
HK$62,480
+HK$3,129/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,702/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,442 · Scale 2, in force from 26 Feb 2026)