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$28,151
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,026
−HK$890/mo
Today · 4.125%
HK$29,916
baseline
▲ 0.50% · 4.625%
HK$31,736
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,832/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,317
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,157
−HK$852/mo
Today · 4.125%
HK$33,009
baseline
▲ 0.50% · 4.625%
HK$34,749
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,018/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,781
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,832
−HK$1,067/mo
Today · 4.125%
HK$35,899
baseline
▲ 0.50% · 4.625%
HK$38,084
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,798/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,581
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,589
−HK$1,022/mo
Today · 4.125%
HK$39,611
baseline
▲ 0.50% · 4.625%
HK$41,699
+HK$2,088/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,222/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,411
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,637
−HK$1,245/mo
Today · 4.125%
HK$41,882
baseline
▲ 0.50% · 4.625%
HK$44,431
+HK$2,549/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,764/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,844
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,020
−HK$1,193/mo
Today · 4.125%
HK$46,213
baseline
▲ 0.50% · 4.625%
HK$48,649
+HK$2,436/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,426/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,671
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,248
−HK$1,601/mo
Today · 4.125%
HK$53,849
baseline
▲ 0.50% · 4.625%
HK$57,125
+HK$3,276/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,698/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,371
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,883
−HK$1,534/mo
Today · 4.125%
HK$59,417
baseline
▲ 0.50% · 4.625%
HK$62,549
+HK$3,132/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,834/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,954 · Scale 2, in force from 26 Feb 2026)