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$28,149
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,025
−HK$889/mo
Today · 4.125%
HK$29,914
baseline
▲ 0.50% · 4.625%
HK$31,735
+HK$1,821/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,828/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,316
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,155
−HK$852/mo
Today · 4.125%
HK$33,007
baseline
▲ 0.50% · 4.625%
HK$34,747
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,014/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$462,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,779
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,830
−HK$1,067/mo
Today · 4.125%
HK$35,897
baseline
▲ 0.50% · 4.625%
HK$38,081
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,794/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,579
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,587
−HK$1,022/mo
Today · 4.125%
HK$39,609
baseline
▲ 0.50% · 4.625%
HK$41,697
+HK$2,088/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,218/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,409
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,635
−HK$1,245/mo
Today · 4.125%
HK$41,880
baseline
▲ 0.50% · 4.625%
HK$44,428
+HK$2,548/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,760/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,842
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,018
−HK$1,192/mo
Today · 4.125%
HK$46,210
baseline
▲ 0.50% · 4.625%
HK$48,646
+HK$2,436/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,420/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,668
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,244
−HK$1,602/mo
Today · 4.125%
HK$53,846
baseline
▲ 0.50% · 4.625%
HK$57,122
+HK$3,276/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,692/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,368
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,880
−HK$1,533/mo
Today · 4.125%
HK$59,413
baseline
▲ 0.50% · 4.625%
HK$62,545
+HK$3,132/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,826/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,927 · Scale 2, in force from 26 Feb 2026)