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$28,164
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,040
−HK$890/mo
Today · 4.125%
HK$29,930
baseline
▲ 0.50% · 4.625%
HK$31,751
+HK$1,821/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,860/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,332
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,172
−HK$853/mo
Today · 4.125%
HK$33,025
baseline
▲ 0.50% · 4.625%
HK$34,765
+HK$1,740/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,050/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,796
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,848
−HK$1,068/mo
Today · 4.125%
HK$35,916
baseline
▲ 0.50% · 4.625%
HK$38,101
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,832/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,598
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,607
−HK$1,023/mo
Today · 4.125%
HK$39,630
baseline
▲ 0.50% · 4.625%
HK$41,719
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,260/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,429
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,656
−HK$1,246/mo
Today · 4.125%
HK$41,902
baseline
▲ 0.50% · 4.625%
HK$44,451
+HK$2,549/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,804/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,865
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,041
−HK$1,194/mo
Today · 4.125%
HK$46,235
baseline
▲ 0.50% · 4.625%
HK$48,672
+HK$2,437/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,470/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,695
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,272
−HK$1,602/mo
Today · 4.125%
HK$53,874
baseline
▲ 0.50% · 4.625%
HK$57,152
+HK$3,278/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,748/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,397
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,910
−HK$1,534/mo
Today · 4.125%
HK$59,444
baseline
▲ 0.50% · 4.625%
HK$62,578
+HK$3,134/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,888/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,168 · Scale 2, in force from 26 Feb 2026)