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$28,158
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,034
−HK$890/mo
Today · 4.125%
HK$29,924
baseline
▲ 0.50% · 4.625%
HK$31,745
+HK$1,821/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,848/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,326
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,166
−HK$852/mo
Today · 4.125%
HK$33,018
baseline
▲ 0.50% · 4.625%
HK$34,758
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,036/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,790
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,841
−HK$1,068/mo
Today · 4.125%
HK$35,909
baseline
▲ 0.50% · 4.625%
HK$38,094
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,818/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,591
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,599
−HK$1,023/mo
Today · 4.125%
HK$39,622
baseline
▲ 0.50% · 4.625%
HK$41,710
+HK$2,088/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,244/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,421
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,648
−HK$1,245/mo
Today · 4.125%
HK$41,893
baseline
▲ 0.50% · 4.625%
HK$44,442
+HK$2,549/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,786/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,856
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,032
−HK$1,193/mo
Today · 4.125%
HK$46,225
baseline
▲ 0.50% · 4.625%
HK$48,662
+HK$2,437/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,450/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,685
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,261
−HK$1,602/mo
Today · 4.125%
HK$53,863
baseline
▲ 0.50% · 4.625%
HK$57,140
+HK$3,277/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,726/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,386
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,898
−HK$1,534/mo
Today · 4.125%
HK$59,432
baseline
▲ 0.50% · 4.625%
HK$62,565
+HK$3,133/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,864/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,074 · Scale 2, in force from 26 Feb 2026)