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$28,124
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$28,999
−HK$889/mo
Today · 4.125%
HK$29,888
baseline
▲ 0.50% · 4.625%
HK$31,707
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,776/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,288
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,127
−HK$852/mo
Today · 4.125%
HK$32,979
baseline
▲ 0.50% · 4.625%
HK$34,717
+HK$1,738/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,958/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,749
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,799
−HK$1,067/mo
Today · 4.125%
HK$35,866
baseline
▲ 0.50% · 4.625%
HK$38,048
+HK$2,182/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,732/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,546
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,553
−HK$1,021/mo
Today · 4.125%
HK$39,574
baseline
▲ 0.50% · 4.625%
HK$41,660
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,148/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,374
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,599
−HK$1,244/mo
Today · 4.125%
HK$41,843
baseline
▲ 0.50% · 4.625%
HK$44,389
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,686/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,803
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,978
−HK$1,192/mo
Today · 4.125%
HK$46,170
baseline
▲ 0.50% · 4.625%
HK$48,604
+HK$2,434/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,340/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,624
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,199
−HK$1,600/mo
Today · 4.125%
HK$53,799
baseline
▲ 0.50% · 4.625%
HK$57,072
+HK$3,273/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,598/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,319
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,829
−HK$1,532/mo
Today · 4.125%
HK$59,361
baseline
▲ 0.50% · 4.625%
HK$62,490
+HK$3,129/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,722/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,521 · Scale 2, in force from 26 Feb 2026)