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$28,192
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,069
−HK$891/mo
Today · 4.125%
HK$29,960
baseline
▲ 0.50% · 4.625%
HK$31,783
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,920/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,364
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,205
−HK$853/mo
Today · 4.125%
HK$33,058
baseline
▲ 0.50% · 4.625%
HK$34,801
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,116/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,831
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,883
−HK$1,069/mo
Today · 4.125%
HK$35,952
baseline
▲ 0.50% · 4.625%
HK$38,140
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,904/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,636
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,646
−HK$1,024/mo
Today · 4.125%
HK$39,670
baseline
▲ 0.50% · 4.625%
HK$41,761
+HK$2,091/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,340/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,469
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,697
−HK$1,247/mo
Today · 4.125%
HK$41,944
baseline
▲ 0.50% · 4.625%
HK$44,496
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,888/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,909
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,087
−HK$1,194/mo
Today · 4.125%
HK$46,281
baseline
▲ 0.50% · 4.625%
HK$48,721
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,562/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,746
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,324
−HK$1,604/mo
Today · 4.125%
HK$53,928
baseline
▲ 0.50% · 4.625%
HK$57,210
+HK$3,282/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,856/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,454
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,968
−HK$1,536/mo
Today · 4.125%
HK$59,504
baseline
▲ 0.50% · 4.625%
HK$62,641
+HK$3,137/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,008/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,635 · Scale 2, in force from 26 Feb 2026)