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$28,192
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,069
−HK$891/mo
Today · 4.125%
HK$29,960
baseline
▲ 0.50% · 4.625%
HK$31,783
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,920/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,363
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,204
−HK$854/mo
Today · 4.125%
HK$33,058
baseline
▲ 0.50% · 4.625%
HK$34,800
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,116/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,830
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,882
−HK$1,070/mo
Today · 4.125%
HK$35,952
baseline
▲ 0.50% · 4.625%
HK$38,139
+HK$2,187/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,904/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,636
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,645
−HK$1,024/mo
Today · 4.125%
HK$39,669
baseline
▲ 0.50% · 4.625%
HK$41,760
+HK$2,091/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,338/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,469
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,696
−HK$1,248/mo
Today · 4.125%
HK$41,944
baseline
▲ 0.50% · 4.625%
HK$44,496
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,888/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,908
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,086
−HK$1,195/mo
Today · 4.125%
HK$46,281
baseline
▲ 0.50% · 4.625%
HK$48,720
+HK$2,439/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,562/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,745
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,324
−HK$1,603/mo
Today · 4.125%
HK$53,927
baseline
▲ 0.50% · 4.625%
HK$57,209
+HK$3,282/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,854/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,454
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,968
−HK$1,536/mo
Today · 4.125%
HK$59,504
baseline
▲ 0.50% · 4.625%
HK$62,640
+HK$3,136/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,008/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,629 · Scale 2, in force from 26 Feb 2026)