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$28,130
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,005
−HK$889/mo
Today · 4.125%
HK$29,894
baseline
▲ 0.50% · 4.625%
HK$31,713
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,788/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,295
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,134
−HK$851/mo
Today · 4.125%
HK$32,985
baseline
▲ 0.50% · 4.625%
HK$34,724
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,970/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,756
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,806
−HK$1,067/mo
Today · 4.125%
HK$35,873
baseline
▲ 0.50% · 4.625%
HK$38,056
+HK$2,183/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,746/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,554
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,561
−HK$1,021/mo
Today · 4.125%
HK$39,582
baseline
▲ 0.50% · 4.625%
HK$41,669
+HK$2,087/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,164/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,382
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,607
−HK$1,245/mo
Today · 4.125%
HK$41,852
baseline
▲ 0.50% · 4.625%
HK$44,399
+HK$2,547/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,704/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,812
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$44,988
−HK$1,192/mo
Today · 4.125%
HK$46,180
baseline
▲ 0.50% · 4.625%
HK$48,614
+HK$2,434/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,360/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,634
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,209
−HK$1,601/mo
Today · 4.125%
HK$53,810
baseline
▲ 0.50% · 4.625%
HK$57,084
+HK$3,274/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,620/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,330
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,841
−HK$1,533/mo
Today · 4.125%
HK$59,374
baseline
▲ 0.50% · 4.625%
HK$62,503
+HK$3,129/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,748/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,617 · Scale 2, in force from 26 Feb 2026)