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$28,159
−HK$1,766/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$463,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,327
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,167
−HK$852/mo
Today · 4.125%
HK$33,019
baseline
▲ 0.50% · 4.625%
HK$34,760
+HK$1,741/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$66,038/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,791
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,842
−HK$1,068/mo
Today · 4.125%
HK$35,910
baseline
▲ 0.50% · 4.625%
HK$38,095
+HK$2,185/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$463,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,592
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,600
−HK$1,023/mo
Today · 4.125%
HK$39,623
baseline
▲ 0.50% · 4.625%
HK$41,712
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,246/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,423
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,649
−HK$1,246/mo
Today · 4.125%
HK$41,895
baseline
▲ 0.50% · 4.625%
HK$44,444
+HK$2,549/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,790/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,858
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,034
−HK$1,193/mo
Today · 4.125%
HK$46,227
baseline
▲ 0.50% · 4.625%
HK$48,664
+HK$2,437/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,454/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,687
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,263
−HK$1,602/mo
Today · 4.125%
HK$53,865
baseline
▲ 0.50% · 4.625%
HK$57,143
+HK$3,278/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,730/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,388
−HK$3,047/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$463,094 · Scale 2, in force from 26 Feb 2026)