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$28,111
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,985
−HK$889/mo
Today · 4.125%
HK$29,874
baseline
▲ 0.50% · 4.625%
HK$31,691
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,748/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,273
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,112
−HK$851/mo
Today · 4.125%
HK$32,963
baseline
▲ 0.50% · 4.625%
HK$34,700
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,926/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,733
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,782
−HK$1,066/mo
Today · 4.125%
HK$35,848
baseline
▲ 0.50% · 4.625%
HK$38,030
+HK$2,182/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,696/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,528
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,534
−HK$1,021/mo
Today · 4.125%
HK$39,555
baseline
▲ 0.50% · 4.625%
HK$41,640
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,110/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,355
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,579
−HK$1,244/mo
Today · 4.125%
HK$41,823
baseline
▲ 0.50% · 4.625%
HK$44,368
+HK$2,545/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,646/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,782
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,956
−HK$1,192/mo
Today · 4.125%
HK$46,148
baseline
▲ 0.50% · 4.625%
HK$48,580
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,296/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,600
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,173
−HK$1,600/mo
Today · 4.125%
HK$53,773
baseline
▲ 0.50% · 4.625%
HK$57,045
+HK$3,272/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,546/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,291
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,801
−HK$1,532/mo
Today · 4.125%
HK$59,333
baseline
▲ 0.50% · 4.625%
HK$62,460
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,666/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,298 · Scale 2, in force from 26 Feb 2026)