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$28,196
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,073
−HK$891/mo
Today · 4.125%
HK$29,964
baseline
▲ 0.50% · 4.625%
HK$31,788
+HK$1,824/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,928/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,368
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,209
−HK$854/mo
Today · 4.125%
HK$33,063
baseline
▲ 0.50% · 4.625%
HK$34,806
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,126/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,836
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,888
−HK$1,069/mo
Today · 4.125%
HK$35,957
baseline
▲ 0.50% · 4.625%
HK$38,145
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,914/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,642
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,651
−HK$1,024/mo
Today · 4.125%
HK$39,675
baseline
▲ 0.50% · 4.625%
HK$41,767
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,350/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,475
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,703
−HK$1,247/mo
Today · 4.125%
HK$41,950
baseline
▲ 0.50% · 4.625%
HK$44,503
+HK$2,553/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,900/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,915
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,093
−HK$1,195/mo
Today · 4.125%
HK$46,288
baseline
▲ 0.50% · 4.625%
HK$48,728
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,576/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,753
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,332
−HK$1,604/mo
Today · 4.125%
HK$53,936
baseline
▲ 0.50% · 4.625%
HK$57,218
+HK$3,282/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,872/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,463
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,977
−HK$1,536/mo
Today · 4.125%
HK$59,513
baseline
▲ 0.50% · 4.625%
HK$62,650
+HK$3,137/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,026/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,703 · Scale 2, in force from 26 Feb 2026)