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$463,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,331
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,171
−HK$852/mo
Today · 4.125%
HK$33,023
baseline
▲ 0.50% · 4.625%
HK$34,764
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,046/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,795
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,846
−HK$1,068/mo
Today · 4.125%
HK$35,914
baseline
▲ 0.50% · 4.625%
HK$38,100
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,828/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,597
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,605
−HK$1,023/mo
Today · 4.125%
HK$39,628
baseline
▲ 0.50% · 4.625%
HK$41,717
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,256/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,428
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,654
−HK$1,246/mo
Today · 4.125%
HK$41,900
baseline
▲ 0.50% · 4.625%
HK$44,450
+HK$2,550/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,800/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,863
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,039
−HK$1,194/mo
Today · 4.125%
HK$46,233
baseline
▲ 0.50% · 4.625%
HK$48,670
+HK$2,437/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,466/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,693
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,270
−HK$1,602/mo
Today · 4.125%
HK$53,872
baseline
▲ 0.50% · 4.625%
HK$57,150
+HK$3,278/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,744/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,395
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,908
−HK$1,534/mo
Today · 4.125%
HK$59,442
baseline
▲ 0.50% · 4.625%
HK$62,575
+HK$3,133/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,884/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,149 · Scale 2, in force from 26 Feb 2026)