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$28,092
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,966
−HK$888/mo
Today · 4.125%
HK$29,854
baseline
▲ 0.50% · 4.625%
HK$31,671
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,708/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,253
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,091
−HK$850/mo
Today · 4.125%
HK$32,941
baseline
▲ 0.50% · 4.625%
HK$34,677
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,882/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,711
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,760
−HK$1,065/mo
Today · 4.125%
HK$35,825
baseline
▲ 0.50% · 4.625%
HK$38,005
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,650/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,503
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,509
−HK$1,020/mo
Today · 4.125%
HK$39,529
baseline
▲ 0.50% · 4.625%
HK$41,613
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,058/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,329
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,553
−HK$1,243/mo
Today · 4.125%
HK$41,796
baseline
▲ 0.50% · 4.625%
HK$44,339
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,592/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,754
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,927
−HK$1,190/mo
Today · 4.125%
HK$46,117
baseline
▲ 0.50% · 4.625%
HK$48,548
+HK$2,431/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,234/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,566
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,139
−HK$1,598/mo
Today · 4.125%
HK$53,737
baseline
▲ 0.50% · 4.625%
HK$57,007
+HK$3,270/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,474/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,255
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,763
−HK$1,531/mo
Today · 4.125%
HK$59,294
baseline
▲ 0.50% · 4.625%
HK$62,419
+HK$3,125/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,588/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,995 · Scale 2, in force from 26 Feb 2026)