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$28,195
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,072
−HK$891/mo
Today · 4.125%
HK$29,963
baseline
▲ 0.50% · 4.625%
HK$31,786
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,926/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,366
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,207
−HK$854/mo
Today · 4.125%
HK$33,061
baseline
▲ 0.50% · 4.625%
HK$34,804
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,122/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,834
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,886
−HK$1,069/mo
Today · 4.125%
HK$35,955
baseline
▲ 0.50% · 4.625%
HK$38,143
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,910/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,640
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,649
−HK$1,024/mo
Today · 4.125%
HK$39,673
baseline
▲ 0.50% · 4.625%
HK$41,764
+HK$2,091/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,346/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,473
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,700
−HK$1,248/mo
Today · 4.125%
HK$41,948
baseline
▲ 0.50% · 4.625%
HK$44,500
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,896/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,913
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,090
−HK$1,195/mo
Today · 4.125%
HK$46,285
baseline
▲ 0.50% · 4.625%
HK$48,725
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,570/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,750
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,329
−HK$1,604/mo
Today · 4.125%
HK$53,933
baseline
▲ 0.50% · 4.625%
HK$57,215
+HK$3,282/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,866/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,459
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,973
−HK$1,537/mo
Today · 4.125%
HK$59,510
baseline
▲ 0.50% · 4.625%
HK$62,646
+HK$3,136/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,020/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,676 · Scale 2, in force from 26 Feb 2026)