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$28,147
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,023
−HK$890/mo
Today · 4.125%
HK$29,913
baseline
▲ 0.50% · 4.625%
HK$31,733
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,826/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,314
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,154
−HK$852/mo
Today · 4.125%
HK$33,006
baseline
▲ 0.50% · 4.625%
HK$34,745
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,012/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,777
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,828
−HK$1,067/mo
Today · 4.125%
HK$35,895
baseline
▲ 0.50% · 4.625%
HK$38,079
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,790/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,577
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,584
−HK$1,023/mo
Today · 4.125%
HK$39,607
baseline
▲ 0.50% · 4.625%
HK$41,694
+HK$2,087/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,214/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,406
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,632
−HK$1,246/mo
Today · 4.125%
HK$41,878
baseline
▲ 0.50% · 4.625%
HK$44,426
+HK$2,548/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,756/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,839
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,015
−HK$1,193/mo
Today · 4.125%
HK$46,208
baseline
▲ 0.50% · 4.625%
HK$48,644
+HK$2,436/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,416/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,665
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,241
−HK$1,602/mo
Today · 4.125%
HK$53,843
baseline
▲ 0.50% · 4.625%
HK$57,119
+HK$3,276/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,686/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,365
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,877
−HK$1,533/mo
Today · 4.125%
HK$59,410
baseline
▲ 0.50% · 4.625%
HK$62,542
+HK$3,132/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,820/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,901 · Scale 2, in force from 26 Feb 2026)