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$28,105
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,979
−HK$888/mo
Today · 4.125%
HK$29,867
baseline
▲ 0.50% · 4.625%
HK$31,684
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,734/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,266
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,105
−HK$850/mo
Today · 4.125%
HK$32,955
baseline
▲ 0.50% · 4.625%
HK$34,693
+HK$1,738/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,910/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,726
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,775
−HK$1,066/mo
Today · 4.125%
HK$35,841
baseline
▲ 0.50% · 4.625%
HK$38,021
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,682/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,519
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,526
−HK$1,021/mo
Today · 4.125%
HK$39,547
baseline
▲ 0.50% · 4.625%
HK$41,631
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,094/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,347
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,571
−HK$1,243/mo
Today · 4.125%
HK$41,814
baseline
▲ 0.50% · 4.625%
HK$44,358
+HK$2,544/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,628/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,773
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,947
−HK$1,191/mo
Today · 4.125%
HK$46,138
baseline
▲ 0.50% · 4.625%
HK$48,570
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,276/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,589
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,162
−HK$1,599/mo
Today · 4.125%
HK$53,761
baseline
▲ 0.50% · 4.625%
HK$57,032
+HK$3,271/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,522/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,279
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,789
−HK$1,531/mo
Today · 4.125%
HK$59,320
baseline
▲ 0.50% · 4.625%
HK$62,447
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,640/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,197 · Scale 2, in force from 26 Feb 2026)