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$28,040
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,912
−HK$887/mo
Today · 4.125%
HK$29,799
baseline
▲ 0.50% · 4.625%
HK$31,612
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,598/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,195
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,031
−HK$849/mo
Today · 4.125%
HK$32,880
baseline
▲ 0.50% · 4.625%
HK$34,613
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,760/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,648
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,695
−HK$1,063/mo
Today · 4.125%
HK$35,758
baseline
▲ 0.50% · 4.625%
HK$37,934
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,516/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,433
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,437
−HK$1,019/mo
Today · 4.125%
HK$39,456
baseline
▲ 0.50% · 4.625%
HK$41,536
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,912/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,256
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,477
−HK$1,241/mo
Today · 4.125%
HK$41,718
baseline
▲ 0.50% · 4.625%
HK$44,257
+HK$2,539/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,436/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,672
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,844
−HK$1,188/mo
Today · 4.125%
HK$46,032
baseline
▲ 0.50% · 4.625%
HK$48,458
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,064/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,472
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,042
−HK$1,596/mo
Today · 4.125%
HK$53,638
baseline
▲ 0.50% · 4.625%
HK$56,901
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,276/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,150
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,656
−HK$1,528/mo
Today · 4.125%
HK$59,184
baseline
▲ 0.50% · 4.625%
HK$62,303
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,368/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,137 · Scale 2, in force from 26 Feb 2026)