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$28,140
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,016
−HK$889/mo
Today · 4.125%
HK$29,905
baseline
▲ 0.50% · 4.625%
HK$31,725
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,810/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,306
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,145
−HK$852/mo
Today · 4.125%
HK$32,997
baseline
▲ 0.50% · 4.625%
HK$34,737
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,994/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,768
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,819
−HK$1,067/mo
Today · 4.125%
HK$35,886
baseline
▲ 0.50% · 4.625%
HK$38,070
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$71,772/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,567
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,575
−HK$1,022/mo
Today · 4.125%
HK$39,597
baseline
▲ 0.50% · 4.625%
HK$41,684
+HK$2,087/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$79,194/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,397
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,622
−HK$1,245/mo
Today · 4.125%
HK$41,867
baseline
▲ 0.50% · 4.625%
HK$44,415
+HK$2,548/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,734/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,828
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,004
−HK$1,192/mo
Today · 4.125%
HK$46,196
baseline
▲ 0.50% · 4.625%
HK$48,631
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,392/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,653
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,228
−HK$1,601/mo
Today · 4.125%
HK$53,829
baseline
▲ 0.50% · 4.625%
HK$57,104
+HK$3,275/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,658/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,351
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,862
−HK$1,533/mo
Today · 4.125%
HK$59,395
baseline
▲ 0.50% · 4.625%
HK$62,526
+HK$3,131/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,790/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,783 · Scale 2, in force from 26 Feb 2026)