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$28,168
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,044
−HK$891/mo
Today · 4.125%
HK$29,935
baseline
▲ 0.50% · 4.625%
HK$31,756
+HK$1,821/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,870/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,337
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,177
−HK$853/mo
Today · 4.125%
HK$33,030
baseline
▲ 0.50% · 4.625%
HK$34,771
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,060/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,802
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,853
−HK$1,069/mo
Today · 4.125%
HK$35,922
baseline
▲ 0.50% · 4.625%
HK$38,107
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,844/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,604
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,613
−HK$1,023/mo
Today · 4.125%
HK$39,636
baseline
▲ 0.50% · 4.625%
HK$41,725
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,272/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,436
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,662
−HK$1,246/mo
Today · 4.125%
HK$41,908
baseline
▲ 0.50% · 4.625%
HK$44,459
+HK$2,551/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,816/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,872
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,048
−HK$1,194/mo
Today · 4.125%
HK$46,242
baseline
▲ 0.50% · 4.625%
HK$48,679
+HK$2,437/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,484/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,703
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,280
−HK$1,602/mo
Today · 4.125%
HK$53,882
baseline
▲ 0.50% · 4.625%
HK$57,161
+HK$3,279/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,764/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,406
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,919
−HK$1,535/mo
Today · 4.125%
HK$59,454
baseline
▲ 0.50% · 4.625%
HK$62,588
+HK$3,134/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,908/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,242 · Scale 2, in force from 26 Feb 2026)