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$28,163
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,039
−HK$890/mo
Today · 4.125%
HK$29,929
baseline
▲ 0.50% · 4.625%
HK$31,750
+HK$1,821/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,858/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,331
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,172
−HK$852/mo
Today · 4.125%
HK$33,024
baseline
▲ 0.50% · 4.625%
HK$34,765
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,048/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,796
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,847
−HK$1,068/mo
Today · 4.125%
HK$35,915
baseline
▲ 0.50% · 4.625%
HK$38,100
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,830/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,597
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,606
−HK$1,023/mo
Today · 4.125%
HK$39,629
baseline
▲ 0.50% · 4.625%
HK$41,718
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,258/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,428
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,655
−HK$1,246/mo
Today · 4.125%
HK$41,901
baseline
▲ 0.50% · 4.625%
HK$44,450
+HK$2,549/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,802/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,864
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,040
−HK$1,194/mo
Today · 4.125%
HK$46,234
baseline
▲ 0.50% · 4.625%
HK$48,671
+HK$2,437/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,468/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,694
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,271
−HK$1,602/mo
Today · 4.125%
HK$53,873
baseline
▲ 0.50% · 4.625%
HK$57,151
+HK$3,278/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,746/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,396
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,909
−HK$1,534/mo
Today · 4.125%
HK$59,443
baseline
▲ 0.50% · 4.625%
HK$62,576
+HK$3,133/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,886/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,158 · Scale 2, in force from 26 Feb 2026)