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$28,166
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,042
−HK$890/mo
Today · 4.125%
HK$29,932
baseline
▲ 0.50% · 4.625%
HK$31,754
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,864/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,335
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,175
−HK$853/mo
Today · 4.125%
HK$33,028
baseline
▲ 0.50% · 4.625%
HK$34,768
+HK$1,740/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,056/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,799
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,851
−HK$1,068/mo
Today · 4.125%
HK$35,919
baseline
▲ 0.50% · 4.625%
HK$38,105
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,838/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,602
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,610
−HK$1,023/mo
Today · 4.125%
HK$39,633
baseline
▲ 0.50% · 4.625%
HK$41,722
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,266/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,433
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,659
−HK$1,246/mo
Today · 4.125%
HK$41,905
baseline
▲ 0.50% · 4.625%
HK$44,455
+HK$2,550/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,810/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,868
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,045
−HK$1,194/mo
Today · 4.125%
HK$46,239
baseline
▲ 0.50% · 4.625%
HK$48,676
+HK$2,437/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,478/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,699
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,276
−HK$1,602/mo
Today · 4.125%
HK$53,878
baseline
▲ 0.50% · 4.625%
HK$57,157
+HK$3,279/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,756/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,402
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,915
−HK$1,535/mo
Today · 4.125%
HK$59,450
baseline
▲ 0.50% · 4.625%
HK$62,583
+HK$3,133/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,900/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,208 · Scale 2, in force from 26 Feb 2026)