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$28,207
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,084
−HK$892/mo
Today · 4.125%
HK$29,976
baseline
▲ 0.50% · 4.625%
HK$31,800
+HK$1,824/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,952/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,380
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,222
−HK$853/mo
Today · 4.125%
HK$33,075
baseline
▲ 0.50% · 4.625%
HK$34,819
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,150/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,848
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,901
−HK$1,070/mo
Today · 4.125%
HK$35,971
baseline
▲ 0.50% · 4.625%
HK$38,160
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,942/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,656
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,666
−HK$1,024/mo
Today · 4.125%
HK$39,690
baseline
▲ 0.50% · 4.625%
HK$41,783
+HK$2,093/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,380/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,490
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,718
−HK$1,248/mo
Today · 4.125%
HK$41,966
baseline
▲ 0.50% · 4.625%
HK$44,520
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,932/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,932
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,110
−HK$1,195/mo
Today · 4.125%
HK$46,305
baseline
▲ 0.50% · 4.625%
HK$48,746
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,610/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,773
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,352
−HK$1,604/mo
Today · 4.125%
HK$53,956
baseline
▲ 0.50% · 4.625%
HK$57,240
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,912/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,484
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$57,999
−HK$1,537/mo
Today · 4.125%
HK$59,536
baseline
▲ 0.50% · 4.625%
HK$62,674
+HK$3,138/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,072/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,878 · Scale 2, in force from 26 Feb 2026)