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$28,165
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,041
−HK$890/mo
Today · 4.125%
HK$29,931
baseline
▲ 0.50% · 4.625%
HK$31,752
+HK$1,821/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,862/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,333
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,174
−HK$852/mo
Today · 4.125%
HK$33,026
baseline
▲ 0.50% · 4.625%
HK$34,767
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,052/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,798
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,849
−HK$1,068/mo
Today · 4.125%
HK$35,917
baseline
▲ 0.50% · 4.625%
HK$38,103
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,834/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,600
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,608
−HK$1,023/mo
Today · 4.125%
HK$39,631
baseline
▲ 0.50% · 4.625%
HK$41,720
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,262/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,431
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,658
−HK$1,246/mo
Today · 4.125%
HK$41,904
baseline
▲ 0.50% · 4.625%
HK$44,453
+HK$2,549/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,808/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,867
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,043
−HK$1,194/mo
Today · 4.125%
HK$46,237
baseline
▲ 0.50% · 4.625%
HK$48,674
+HK$2,437/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,474/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,697
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,274
−HK$1,602/mo
Today · 4.125%
HK$53,876
baseline
▲ 0.50% · 4.625%
HK$57,154
+HK$3,278/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,752/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,400
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,913
−HK$1,534/mo
Today · 4.125%
HK$59,447
baseline
▲ 0.50% · 4.625%
HK$62,581
+HK$3,134/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,894/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,189 · Scale 2, in force from 26 Feb 2026)