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$28,143
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,019
−HK$889/mo
Today · 4.125%
HK$29,908
baseline
▲ 0.50% · 4.625%
HK$31,728
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,816/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,309
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,149
−HK$852/mo
Today · 4.125%
HK$33,001
baseline
▲ 0.50% · 4.625%
HK$34,740
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,002/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,772
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,822
−HK$1,068/mo
Today · 4.125%
HK$35,890
baseline
▲ 0.50% · 4.625%
HK$38,073
+HK$2,183/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,780/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,571
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,578
−HK$1,023/mo
Today · 4.125%
HK$39,601
baseline
▲ 0.50% · 4.625%
HK$41,688
+HK$2,087/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,202/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,400
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,626
−HK$1,245/mo
Today · 4.125%
HK$41,871
baseline
▲ 0.50% · 4.625%
HK$44,419
+HK$2,548/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,742/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,833
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,008
−HK$1,193/mo
Today · 4.125%
HK$46,201
baseline
▲ 0.50% · 4.625%
HK$48,636
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,402/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,658
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,233
−HK$1,601/mo
Today · 4.125%
HK$53,834
baseline
▲ 0.50% · 4.625%
HK$57,110
+HK$3,276/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,668/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,356
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,868
−HK$1,533/mo
Today · 4.125%
HK$59,401
baseline
▲ 0.50% · 4.625%
HK$62,532
+HK$3,131/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,802/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,829 · Scale 2, in force from 26 Feb 2026)