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$28,191
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,068
−HK$891/mo
Today · 4.125%
HK$29,959
baseline
▲ 0.50% · 4.625%
HK$31,781
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,918/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,362
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,203
−HK$853/mo
Today · 4.125%
HK$33,056
baseline
▲ 0.50% · 4.625%
HK$34,799
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,112/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,829
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,881
−HK$1,069/mo
Today · 4.125%
HK$35,950
baseline
▲ 0.50% · 4.625%
HK$38,138
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,900/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,634
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,644
−HK$1,024/mo
Today · 4.125%
HK$39,668
baseline
▲ 0.50% · 4.625%
HK$41,758
+HK$2,090/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,336/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,467
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,695
−HK$1,247/mo
Today · 4.125%
HK$41,942
baseline
▲ 0.50% · 4.625%
HK$44,494
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,884/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,907
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,084
−HK$1,195/mo
Today · 4.125%
HK$46,279
baseline
▲ 0.50% · 4.625%
HK$48,718
+HK$2,439/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,558/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,743
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,322
−HK$1,603/mo
Today · 4.125%
HK$53,925
baseline
▲ 0.50% · 4.625%
HK$57,207
+HK$3,282/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,850/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,451
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,965
−HK$1,536/mo
Today · 4.125%
HK$59,501
baseline
▲ 0.50% · 4.625%
HK$62,638
+HK$3,137/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,002/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,611 · Scale 2, in force from 26 Feb 2026)