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$28,127
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,002
−HK$889/mo
Today · 4.125%
HK$29,891
baseline
▲ 0.50% · 4.625%
HK$31,710
+HK$1,819/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,782/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,291
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,130
−HK$852/mo
Today · 4.125%
HK$32,982
baseline
▲ 0.50% · 4.625%
HK$34,720
+HK$1,738/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,964/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,753
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,802
−HK$1,067/mo
Today · 4.125%
HK$35,869
baseline
▲ 0.50% · 4.625%
HK$38,052
+HK$2,183/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,738/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,549
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,556
−HK$1,022/mo
Today · 4.125%
HK$39,578
baseline
▲ 0.50% · 4.625%
HK$41,664
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,156/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,378
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,603
−HK$1,244/mo
Today · 4.125%
HK$41,847
baseline
▲ 0.50% · 4.625%
HK$44,394
+HK$2,547/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,694/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,808
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,983
−HK$1,191/mo
Today · 4.125%
HK$46,174
baseline
▲ 0.50% · 4.625%
HK$48,608
+HK$2,434/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,348/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,629
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,204
−HK$1,600/mo
Today · 4.125%
HK$53,804
baseline
▲ 0.50% · 4.625%
HK$57,078
+HK$3,274/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,608/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,324
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,835
−HK$1,532/mo
Today · 4.125%
HK$59,367
baseline
▲ 0.50% · 4.625%
HK$62,496
+HK$3,129/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,734/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,566 · Scale 2, in force from 26 Feb 2026)