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$28,148
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,024
−HK$889/mo
Today · 4.125%
HK$29,913
baseline
▲ 0.50% · 4.625%
HK$31,733
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,826/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,314
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,154
−HK$852/mo
Today · 4.125%
HK$33,006
baseline
▲ 0.50% · 4.625%
HK$34,746
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,012/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,778
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,828
−HK$1,068/mo
Today · 4.125%
HK$35,896
baseline
▲ 0.50% · 4.625%
HK$38,080
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,792/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,577
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,585
−HK$1,022/mo
Today · 4.125%
HK$39,607
baseline
▲ 0.50% · 4.625%
HK$41,695
+HK$2,088/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,214/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,407
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,633
−HK$1,245/mo
Today · 4.125%
HK$41,878
baseline
▲ 0.50% · 4.625%
HK$44,427
+HK$2,549/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,756/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,840
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,016
−HK$1,193/mo
Today · 4.125%
HK$46,209
baseline
▲ 0.50% · 4.625%
HK$48,644
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,418/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,666
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,242
−HK$1,602/mo
Today · 4.125%
HK$53,844
baseline
▲ 0.50% · 4.625%
HK$57,120
+HK$3,276/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,688/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,366
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,878
−HK$1,533/mo
Today · 4.125%
HK$59,411
baseline
▲ 0.50% · 4.625%
HK$62,543
+HK$3,132/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,822/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,909 · Scale 2, in force from 26 Feb 2026)