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$28,125
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,000
−HK$889/mo
Today · 4.125%
HK$29,889
baseline
▲ 0.50% · 4.625%
HK$31,707
+HK$1,818/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,778/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,289
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,128
−HK$851/mo
Today · 4.125%
HK$32,979
baseline
▲ 0.50% · 4.625%
HK$34,718
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,958/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,750
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,800
−HK$1,066/mo
Today · 4.125%
HK$35,866
baseline
▲ 0.50% · 4.625%
HK$38,049
+HK$2,183/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,732/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,547
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,554
−HK$1,021/mo
Today · 4.125%
HK$39,575
baseline
▲ 0.50% · 4.625%
HK$41,661
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,150/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,375
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,600
−HK$1,244/mo
Today · 4.125%
HK$41,844
baseline
▲ 0.50% · 4.625%
HK$44,390
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,688/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,804
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,979
−HK$1,192/mo
Today · 4.125%
HK$46,171
baseline
▲ 0.50% · 4.625%
HK$48,605
+HK$2,434/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,342/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,625
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,200
−HK$1,600/mo
Today · 4.125%
HK$53,800
baseline
▲ 0.50% · 4.625%
HK$57,073
+HK$3,273/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,600/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,320
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,830
−HK$1,533/mo
Today · 4.125%
HK$59,363
baseline
▲ 0.50% · 4.625%
HK$62,492
+HK$3,129/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,726/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,531 · Scale 2, in force from 26 Feb 2026)