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$28,199
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,076
−HK$892/mo
Today · 4.125%
HK$29,968
baseline
▲ 0.50% · 4.625%
HK$31,791
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,936/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,371
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,213
−HK$853/mo
Today · 4.125%
HK$33,066
baseline
▲ 0.50% · 4.625%
HK$34,809
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,132/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,839
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,892
−HK$1,069/mo
Today · 4.125%
HK$35,961
baseline
▲ 0.50% · 4.625%
HK$38,149
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,922/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,646
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,655
−HK$1,025/mo
Today · 4.125%
HK$39,680
baseline
▲ 0.50% · 4.625%
HK$41,771
+HK$2,091/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,360/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,479
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,707
−HK$1,248/mo
Today · 4.125%
HK$41,955
baseline
▲ 0.50% · 4.625%
HK$44,507
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,910/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,920
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,098
−HK$1,195/mo
Today · 4.125%
HK$46,293
baseline
▲ 0.50% · 4.625%
HK$48,733
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,586/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,759
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,338
−HK$1,604/mo
Today · 4.125%
HK$53,942
baseline
▲ 0.50% · 4.625%
HK$57,224
+HK$3,282/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,884/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,468
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,983
−HK$1,536/mo
Today · 4.125%
HK$59,519
baseline
▲ 0.50% · 4.625%
HK$62,657
+HK$3,138/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,038/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,752 · Scale 2, in force from 26 Feb 2026)