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$28,160
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,035
−HK$890/mo
Today · 4.125%
HK$29,925
baseline
▲ 0.50% · 4.625%
HK$31,746
+HK$1,821/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,850/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,327
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,167
−HK$853/mo
Today · 4.125%
HK$33,020
baseline
▲ 0.50% · 4.625%
HK$34,760
+HK$1,740/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,040/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,791
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,843
−HK$1,067/mo
Today · 4.125%
HK$35,910
baseline
▲ 0.50% · 4.625%
HK$38,096
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,820/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,593
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,601
−HK$1,023/mo
Today · 4.125%
HK$39,624
baseline
▲ 0.50% · 4.625%
HK$41,712
+HK$2,088/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,248/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,423
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,650
−HK$1,246/mo
Today · 4.125%
HK$41,896
baseline
▲ 0.50% · 4.625%
HK$44,445
+HK$2,549/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,792/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,858
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,034
−HK$1,194/mo
Today · 4.125%
HK$46,228
baseline
▲ 0.50% · 4.625%
HK$48,664
+HK$2,436/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,456/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,687
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,264
−HK$1,602/mo
Today · 4.125%
HK$53,866
baseline
▲ 0.50% · 4.625%
HK$57,143
+HK$3,277/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,732/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,389
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,901
−HK$1,534/mo
Today · 4.125%
HK$59,435
baseline
▲ 0.50% · 4.625%
HK$62,568
+HK$3,133/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,870/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,099 · Scale 2, in force from 26 Feb 2026)