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$28,167
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,043
−HK$890/mo
Today · 4.125%
HK$29,933
baseline
▲ 0.50% · 4.625%
HK$31,755
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,866/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,335
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,176
−HK$852/mo
Today · 4.125%
HK$33,028
baseline
▲ 0.50% · 4.625%
HK$34,769
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,056/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,800
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,852
−HK$1,068/mo
Today · 4.125%
HK$35,920
baseline
▲ 0.50% · 4.625%
HK$38,105
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,840/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,602
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,611
−HK$1,023/mo
Today · 4.125%
HK$39,634
baseline
▲ 0.50% · 4.625%
HK$41,723
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,268/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,434
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,660
−HK$1,246/mo
Today · 4.125%
HK$41,906
baseline
▲ 0.50% · 4.625%
HK$44,456
+HK$2,550/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,812/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,869
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,046
−HK$1,194/mo
Today · 4.125%
HK$46,240
baseline
▲ 0.50% · 4.625%
HK$48,677
+HK$2,437/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,480/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,700
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,277
−HK$1,603/mo
Today · 4.125%
HK$53,880
baseline
▲ 0.50% · 4.625%
HK$57,158
+HK$3,278/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,760/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,404
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,916
−HK$1,535/mo
Today · 4.125%
HK$59,451
baseline
▲ 0.50% · 4.625%
HK$62,585
+HK$3,134/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,902/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,219 · Scale 2, in force from 26 Feb 2026)