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$28,136
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,011
−HK$889/mo
Today · 4.125%
HK$29,900
baseline
▲ 0.50% · 4.625%
HK$31,720
+HK$1,820/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,800/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,301
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,140
−HK$852/mo
Today · 4.125%
HK$32,992
baseline
▲ 0.50% · 4.625%
HK$34,731
+HK$1,739/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,984/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,763
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,813
−HK$1,067/mo
Today · 4.125%
HK$35,880
baseline
▲ 0.50% · 4.625%
HK$38,064
+HK$2,184/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$71,760/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,561
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,569
−HK$1,022/mo
Today · 4.125%
HK$39,591
baseline
▲ 0.50% · 4.625%
HK$41,677
+HK$2,086/mo
Deposit HK$4.94M · loan HK$7.40M · min. income ≈ HK$79,182/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,390
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,616
−HK$1,245/mo
Today · 4.125%
HK$41,861
baseline
▲ 0.50% · 4.625%
HK$44,408
+HK$2,547/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$83,722/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,821
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$44,997
−HK$1,192/mo
Today · 4.125%
HK$46,189
baseline
▲ 0.50% · 4.625%
HK$48,624
+HK$2,435/mo
Deposit HK$3.70M · loan HK$8.64M · min. income ≈ HK$92,378/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,645
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,220
−HK$1,601/mo
Today · 4.125%
HK$53,821
baseline
▲ 0.50% · 4.625%
HK$57,096
+HK$3,275/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$107,642/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,342
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,853
−HK$1,533/mo
Today · 4.125%
HK$59,386
baseline
▲ 0.50% · 4.625%
HK$62,516
+HK$3,130/mo
Deposit HK$1.23M · loan HK$11.11M · min. income ≈ HK$118,772/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,712 · Scale 2, in force from 26 Feb 2026)