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$28,205
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,083
−HK$891/mo
Today · 4.125%
HK$29,974
baseline
▲ 0.50% · 4.625%
HK$31,798
+HK$1,824/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,948/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,378
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,220
−HK$853/mo
Today · 4.125%
HK$33,073
baseline
▲ 0.50% · 4.625%
HK$34,817
+HK$1,744/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,146/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,846
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,899
−HK$1,070/mo
Today · 4.125%
HK$35,969
baseline
▲ 0.50% · 4.625%
HK$38,157
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,938/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,654
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,664
−HK$1,024/mo
Today · 4.125%
HK$39,688
baseline
▲ 0.50% · 4.625%
HK$41,780
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,376/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,487
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,716
−HK$1,248/mo
Today · 4.125%
HK$41,964
baseline
▲ 0.50% · 4.625%
HK$44,517
+HK$2,553/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,928/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,929
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,107
−HK$1,196/mo
Today · 4.125%
HK$46,303
baseline
▲ 0.50% · 4.625%
HK$48,743
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,606/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,769
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,349
−HK$1,604/mo
Today · 4.125%
HK$53,953
baseline
▲ 0.50% · 4.625%
HK$57,236
+HK$3,283/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,906/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,481
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,995
−HK$1,537/mo
Today · 4.125%
HK$59,532
baseline
▲ 0.50% · 4.625%
HK$62,670
+HK$3,138/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,064/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,851 · Scale 2, in force from 26 Feb 2026)