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$28,170
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,046
−HK$890/mo
Today · 4.125%
HK$29,936
baseline
▲ 0.50% · 4.625%
HK$31,758
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,872/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,338
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,179
−HK$853/mo
Today · 4.125%
HK$33,032
baseline
▲ 0.50% · 4.625%
HK$34,773
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,064/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,804
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,855
−HK$1,068/mo
Today · 4.125%
HK$35,923
baseline
▲ 0.50% · 4.625%
HK$38,109
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,846/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,606
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,615
−HK$1,023/mo
Today · 4.125%
HK$39,638
baseline
▲ 0.50% · 4.625%
HK$41,727
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,276/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,437
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,664
−HK$1,247/mo
Today · 4.125%
HK$41,911
baseline
▲ 0.50% · 4.625%
HK$44,461
+HK$2,550/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,822/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,874
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,050
−HK$1,194/mo
Today · 4.125%
HK$46,244
baseline
▲ 0.50% · 4.625%
HK$48,682
+HK$2,438/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,488/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,705
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,282
−HK$1,603/mo
Today · 4.125%
HK$53,885
baseline
▲ 0.50% · 4.625%
HK$57,164
+HK$3,279/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,770/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,409
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,922
−HK$1,535/mo
Today · 4.125%
HK$59,457
baseline
▲ 0.50% · 4.625%
HK$62,591
+HK$3,134/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,914/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,264 · Scale 2, in force from 26 Feb 2026)