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$28,178
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,055
−HK$890/mo
Today · 4.125%
HK$29,945
baseline
▲ 0.50% · 4.625%
HK$31,767
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,890/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,348
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,188
−HK$853/mo
Today · 4.125%
HK$33,041
baseline
▲ 0.50% · 4.625%
HK$34,783
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,082/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,814
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,865
−HK$1,069/mo
Today · 4.125%
HK$35,934
baseline
▲ 0.50% · 4.625%
HK$38,121
+HK$2,187/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,868/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,617
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,626
−HK$1,024/mo
Today · 4.125%
HK$39,650
baseline
▲ 0.50% · 4.625%
HK$41,740
+HK$2,090/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,300/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,449
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,676
−HK$1,247/mo
Today · 4.125%
HK$41,923
baseline
▲ 0.50% · 4.625%
HK$44,474
+HK$2,551/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,846/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,887
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,064
−HK$1,194/mo
Today · 4.125%
HK$46,258
baseline
▲ 0.50% · 4.625%
HK$48,696
+HK$2,438/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,516/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,720
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,298
−HK$1,603/mo
Today · 4.125%
HK$53,901
baseline
▲ 0.50% · 4.625%
HK$57,181
+HK$3,280/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,802/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,426
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,939
−HK$1,535/mo
Today · 4.125%
HK$59,474
baseline
▲ 0.50% · 4.625%
HK$62,609
+HK$3,135/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,948/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,403 · Scale 2, in force from 26 Feb 2026)