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$28,136
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,012
−HK$889/mo
Today · 4.125%
HK$29,901
baseline
▲ 0.50% · 4.625%
HK$31,720
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,802/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,302
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,141
−HK$852/mo
Today · 4.125%
HK$32,993
baseline
▲ 0.50% · 4.625%
HK$34,732
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,986/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,764
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,814
−HK$1,067/mo
Today · 4.125%
HK$35,881
baseline
▲ 0.50% · 4.625%
HK$38,064
+HK$2,183/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$71,762/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,562
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,569
−HK$1,022/mo
Today · 4.125%
HK$39,591
baseline
▲ 0.50% · 4.625%
HK$41,678
+HK$2,087/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$79,182/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,391
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,616
−HK$1,245/mo
Today · 4.125%
HK$41,861
baseline
▲ 0.50% · 4.625%
HK$44,408
+HK$2,547/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,722/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,822
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$44,997
−HK$1,193/mo
Today · 4.125%
HK$46,190
baseline
▲ 0.50% · 4.625%
HK$48,624
+HK$2,434/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,380/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,646
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,221
−HK$1,601/mo
Today · 4.125%
HK$53,822
baseline
▲ 0.50% · 4.625%
HK$57,096
+HK$3,274/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,644/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,343
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,854
−HK$1,533/mo
Today · 4.125%
HK$59,387
baseline
▲ 0.50% · 4.625%
HK$62,517
+HK$3,130/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,774/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,719 · Scale 2, in force from 26 Feb 2026)