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$28,122
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,997
−HK$888/mo
Today · 4.125%
HK$29,885
baseline
▲ 0.50% · 4.625%
HK$31,704
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,770/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,285
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,124
−HK$851/mo
Today · 4.125%
HK$32,975
baseline
▲ 0.50% · 4.625%
HK$34,714
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,950/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,746
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,796
−HK$1,066/mo
Today · 4.125%
HK$35,862
baseline
▲ 0.50% · 4.625%
HK$38,044
+HK$2,182/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,724/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,542
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,549
−HK$1,022/mo
Today · 4.125%
HK$39,571
baseline
▲ 0.50% · 4.625%
HK$41,656
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,142/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,371
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,595
−HK$1,244/mo
Today · 4.125%
HK$41,839
baseline
▲ 0.50% · 4.625%
HK$44,385
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,678/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,799
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,974
−HK$1,192/mo
Today · 4.125%
HK$46,166
baseline
▲ 0.50% · 4.625%
HK$48,599
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,332/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,619
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,194
−HK$1,600/mo
Today · 4.125%
HK$53,794
baseline
▲ 0.50% · 4.625%
HK$57,067
+HK$3,273/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,588/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,313
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,824
−HK$1,532/mo
Today · 4.125%
HK$59,356
baseline
▲ 0.50% · 4.625%
HK$62,485
+HK$3,129/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,712/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,478 · Scale 2, in force from 26 Feb 2026)