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$28,110
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,985
−HK$888/mo
Today · 4.125%
HK$29,873
baseline
▲ 0.50% · 4.625%
HK$31,691
+HK$1,818/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,746/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,272
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,111
−HK$851/mo
Today · 4.125%
HK$32,962
baseline
▲ 0.50% · 4.625%
HK$34,700
+HK$1,738/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,924/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,732
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,782
−HK$1,066/mo
Today · 4.125%
HK$35,848
baseline
▲ 0.50% · 4.625%
HK$38,029
+HK$2,181/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$462,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,527
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,533
−HK$1,021/mo
Today · 4.125%
HK$39,554
baseline
▲ 0.50% · 4.625%
HK$41,639
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,108/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,354
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,579
−HK$1,243/mo
Today · 4.125%
HK$41,822
baseline
▲ 0.50% · 4.625%
HK$44,367
+HK$2,545/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,644/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,781
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,956
−HK$1,191/mo
Today · 4.125%
HK$46,147
baseline
▲ 0.50% · 4.625%
HK$48,579
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,294/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,599
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,173
−HK$1,599/mo
Today · 4.125%
HK$53,772
baseline
▲ 0.50% · 4.625%
HK$57,043
+HK$3,271/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,544/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,290
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,800
−HK$1,532/mo
Today · 4.125%
HK$59,332
baseline
▲ 0.50% · 4.625%
HK$62,459
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,664/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,290 · Scale 2, in force from 26 Feb 2026)