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$28,099
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,973
−HK$888/mo
Today · 4.125%
HK$29,861
baseline
▲ 0.50% · 4.625%
HK$31,678
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,722/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,260
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,098
−HK$851/mo
Today · 4.125%
HK$32,949
baseline
▲ 0.50% · 4.625%
HK$34,685
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,898/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,719
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,768
−HK$1,065/mo
Today · 4.125%
HK$35,833
baseline
▲ 0.50% · 4.625%
HK$38,013
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,666/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,512
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,518
−HK$1,020/mo
Today · 4.125%
HK$39,538
baseline
▲ 0.50% · 4.625%
HK$41,622
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,076/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,338
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,562
−HK$1,243/mo
Today · 4.125%
HK$41,805
baseline
▲ 0.50% · 4.625%
HK$44,349
+HK$2,544/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,610/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,764
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,937
−HK$1,191/mo
Today · 4.125%
HK$46,128
baseline
▲ 0.50% · 4.625%
HK$48,560
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,256/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,578
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,151
−HK$1,599/mo
Today · 4.125%
HK$53,750
baseline
▲ 0.50% · 4.625%
HK$57,020
+HK$3,270/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,500/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,268
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,777
−HK$1,530/mo
Today · 4.125%
HK$59,307
baseline
▲ 0.50% · 4.625%
HK$62,434
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,614/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,101 · Scale 2, in force from 26 Feb 2026)