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$28,186
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,063
−HK$891/mo
Today · 4.125%
HK$29,954
baseline
▲ 0.50% · 4.625%
HK$31,776
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,908/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,357
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,198
−HK$853/mo
Today · 4.125%
HK$33,051
baseline
▲ 0.50% · 4.625%
HK$34,793
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,102/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,823
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,875
−HK$1,069/mo
Today · 4.125%
HK$35,944
baseline
▲ 0.50% · 4.625%
HK$38,131
+HK$2,187/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$71,888/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,628
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,637
−HK$1,024/mo
Today · 4.125%
HK$39,661
baseline
▲ 0.50% · 4.625%
HK$41,752
+HK$2,091/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$79,322/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,461
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,688
−HK$1,247/mo
Today · 4.125%
HK$41,935
baseline
▲ 0.50% · 4.625%
HK$44,487
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,870/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,899
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,077
−HK$1,194/mo
Today · 4.125%
HK$46,271
baseline
▲ 0.50% · 4.625%
HK$48,710
+HK$2,439/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,542/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,735
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,313
−HK$1,604/mo
Today · 4.125%
HK$53,917
baseline
▲ 0.50% · 4.625%
HK$57,197
+HK$3,280/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,834/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,442
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,956
−HK$1,536/mo
Today · 4.125%
HK$59,492
baseline
▲ 0.50% · 4.625%
HK$62,627
+HK$3,135/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,984/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,536 · Scale 2, in force from 26 Feb 2026)