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$28,188
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,064
−HK$891/mo
Today · 4.125%
HK$29,955
baseline
▲ 0.50% · 4.625%
HK$31,778
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,910/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,358
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,199
−HK$854/mo
Today · 4.125%
HK$33,053
baseline
▲ 0.50% · 4.625%
HK$34,795
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,106/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,825
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,877
−HK$1,069/mo
Today · 4.125%
HK$35,946
baseline
▲ 0.50% · 4.625%
HK$38,133
+HK$2,187/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$71,892/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,630
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,639
−HK$1,024/mo
Today · 4.125%
HK$39,663
baseline
▲ 0.50% · 4.625%
HK$41,754
+HK$2,091/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$79,326/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,463
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,690
−HK$1,247/mo
Today · 4.125%
HK$41,937
baseline
▲ 0.50% · 4.625%
HK$44,489
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,874/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,902
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,079
−HK$1,195/mo
Today · 4.125%
HK$46,274
baseline
▲ 0.50% · 4.625%
HK$48,713
+HK$2,439/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,548/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,738
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,316
−HK$1,603/mo
Today · 4.125%
HK$53,919
baseline
▲ 0.50% · 4.625%
HK$57,200
+HK$3,281/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,838/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,445
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,959
−HK$1,536/mo
Today · 4.125%
HK$59,495
baseline
▲ 0.50% · 4.625%
HK$62,631
+HK$3,136/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$118,990/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,560 · Scale 2, in force from 26 Feb 2026)