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$28,206
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,083
−HK$892/mo
Today · 4.125%
HK$29,975
baseline
▲ 0.50% · 4.625%
HK$31,798
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,950/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,379
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,220
−HK$854/mo
Today · 4.125%
HK$33,074
baseline
▲ 0.50% · 4.625%
HK$34,817
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,148/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,847
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,900
−HK$1,069/mo
Today · 4.125%
HK$35,969
baseline
▲ 0.50% · 4.625%
HK$38,158
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,938/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,654
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,664
−HK$1,025/mo
Today · 4.125%
HK$39,689
baseline
▲ 0.50% · 4.625%
HK$41,781
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,378/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,488
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,716
−HK$1,248/mo
Today · 4.125%
HK$41,964
baseline
▲ 0.50% · 4.625%
HK$44,518
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,928/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,930
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,108
−HK$1,196/mo
Today · 4.125%
HK$46,304
baseline
▲ 0.50% · 4.625%
HK$48,744
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,608/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,770
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,350
−HK$1,604/mo
Today · 4.125%
HK$53,954
baseline
▲ 0.50% · 4.625%
HK$57,237
+HK$3,283/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,908/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,482
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,996
−HK$1,537/mo
Today · 4.125%
HK$59,533
baseline
▲ 0.50% · 4.625%
HK$62,671
+HK$3,138/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,066/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,860 · Scale 2, in force from 26 Feb 2026)