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$28,126
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,001
−HK$889/mo
Today · 4.125%
HK$29,890
baseline
▲ 0.50% · 4.625%
HK$31,709
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,780/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,290
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,130
−HK$851/mo
Today · 4.125%
HK$32,981
baseline
▲ 0.50% · 4.625%
HK$34,719
+HK$1,738/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,962/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,752
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,802
−HK$1,066/mo
Today · 4.125%
HK$35,868
baseline
▲ 0.50% · 4.625%
HK$38,051
+HK$2,183/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,736/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,548
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,556
−HK$1,021/mo
Today · 4.125%
HK$39,577
baseline
▲ 0.50% · 4.625%
HK$41,663
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,154/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,377
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,602
−HK$1,244/mo
Today · 4.125%
HK$41,846
baseline
▲ 0.50% · 4.625%
HK$44,393
+HK$2,547/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,692/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,807
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,981
−HK$1,192/mo
Today · 4.125%
HK$46,173
baseline
▲ 0.50% · 4.625%
HK$48,607
+HK$2,434/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,346/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,628
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,202
−HK$1,600/mo
Today · 4.125%
HK$53,802
baseline
▲ 0.50% · 4.625%
HK$57,076
+HK$3,274/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,604/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,323
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,833
−HK$1,533/mo
Today · 4.125%
HK$59,366
baseline
▲ 0.50% · 4.625%
HK$62,495
+HK$3,129/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,732/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,555 · Scale 2, in force from 26 Feb 2026)