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$28,182
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,059
−HK$891/mo
Today · 4.125%
HK$29,950
baseline
▲ 0.50% · 4.625%
HK$31,772
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,900/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,353
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,193
−HK$854/mo
Today · 4.125%
HK$33,047
baseline
▲ 0.50% · 4.625%
HK$34,788
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,094/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,819
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,871
−HK$1,069/mo
Today · 4.125%
HK$35,940
baseline
▲ 0.50% · 4.625%
HK$38,126
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$71,880/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,623
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,632
−HK$1,024/mo
Today · 4.125%
HK$39,656
baseline
▲ 0.50% · 4.625%
HK$41,746
+HK$2,090/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$79,312/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,455
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,683
−HK$1,247/mo
Today · 4.125%
HK$41,930
baseline
▲ 0.50% · 4.625%
HK$44,481
+HK$2,551/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,860/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,894
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,071
−HK$1,194/mo
Today · 4.125%
HK$46,265
baseline
▲ 0.50% · 4.625%
HK$48,704
+HK$2,439/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,530/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,728
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,306
−HK$1,603/mo
Today · 4.125%
HK$53,909
baseline
▲ 0.50% · 4.625%
HK$57,190
+HK$3,281/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,818/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,435
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,948
−HK$1,536/mo
Today · 4.125%
HK$59,484
baseline
▲ 0.50% · 4.625%
HK$62,619
+HK$3,135/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,968/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,474 · Scale 2, in force from 26 Feb 2026)