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$28,146
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,021
−HK$890/mo
Today · 4.125%
HK$29,911
baseline
▲ 0.50% · 4.625%
HK$31,731
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,822/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,312
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,152
−HK$852/mo
Today · 4.125%
HK$33,004
baseline
▲ 0.50% · 4.625%
HK$34,743
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,008/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,775
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,825
−HK$1,068/mo
Today · 4.125%
HK$35,893
baseline
▲ 0.50% · 4.625%
HK$38,077
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,786/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,574
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,582
−HK$1,022/mo
Today · 4.125%
HK$39,604
baseline
▲ 0.50% · 4.625%
HK$41,692
+HK$2,088/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,208/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,404
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,630
−HK$1,245/mo
Today · 4.125%
HK$41,875
baseline
▲ 0.50% · 4.625%
HK$44,423
+HK$2,548/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,750/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,837
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,012
−HK$1,193/mo
Today · 4.125%
HK$46,205
baseline
▲ 0.50% · 4.625%
HK$48,640
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,410/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$462,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,662
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,238
−HK$1,601/mo
Today · 4.125%
HK$53,839
baseline
▲ 0.50% · 4.625%
HK$57,115
+HK$3,276/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,678/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,361
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,873
−HK$1,533/mo
Today · 4.125%
HK$59,406
baseline
▲ 0.50% · 4.625%
HK$62,538
+HK$3,132/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,812/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,872 · Scale 2, in force from 26 Feb 2026)