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$28,181
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,058
−HK$891/mo
Today · 4.125%
HK$29,949
baseline
▲ 0.50% · 4.625%
HK$31,771
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,898/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,352
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,192
−HK$853/mo
Today · 4.125%
HK$33,045
baseline
▲ 0.50% · 4.625%
HK$34,787
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,090/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,818
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,870
−HK$1,068/mo
Today · 4.125%
HK$35,938
baseline
▲ 0.50% · 4.625%
HK$38,125
+HK$2,187/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$71,876/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,622
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,631
−HK$1,023/mo
Today · 4.125%
HK$39,654
baseline
▲ 0.50% · 4.625%
HK$41,745
+HK$2,091/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$79,308/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,454
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,681
−HK$1,247/mo
Today · 4.125%
HK$41,928
baseline
▲ 0.50% · 4.625%
HK$44,479
+HK$2,551/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,856/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,892
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,069
−HK$1,195/mo
Today · 4.125%
HK$46,264
baseline
▲ 0.50% · 4.625%
HK$48,702
+HK$2,438/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,528/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,727
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,304
−HK$1,604/mo
Today · 4.125%
HK$53,908
baseline
▲ 0.50% · 4.625%
HK$57,188
+HK$3,280/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,816/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,433
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,946
−HK$1,536/mo
Today · 4.125%
HK$59,482
baseline
▲ 0.50% · 4.625%
HK$62,617
+HK$3,135/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,964/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,459 · Scale 2, in force from 26 Feb 2026)