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$28,100
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,974
−HK$889/mo
Today · 4.125%
HK$29,863
baseline
▲ 0.50% · 4.625%
HK$31,680
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,726/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,261
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,100
−HK$850/mo
Today · 4.125%
HK$32,950
baseline
▲ 0.50% · 4.625%
HK$34,687
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,900/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,720
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,769
−HK$1,066/mo
Today · 4.125%
HK$35,835
baseline
▲ 0.50% · 4.625%
HK$38,016
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,670/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,514
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,520
−HK$1,020/mo
Today · 4.125%
HK$39,540
baseline
▲ 0.50% · 4.625%
HK$41,625
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,080/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,341
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,564
−HK$1,244/mo
Today · 4.125%
HK$41,808
baseline
▲ 0.50% · 4.625%
HK$44,351
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,616/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,766
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,940
−HK$1,191/mo
Today · 4.125%
HK$46,131
baseline
▲ 0.50% · 4.625%
HK$48,562
+HK$2,431/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,262/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,581
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,154
−HK$1,599/mo
Today · 4.125%
HK$53,753
baseline
▲ 0.50% · 4.625%
HK$57,023
+HK$3,270/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,506/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,271
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,780
−HK$1,531/mo
Today · 4.125%
HK$59,311
baseline
▲ 0.50% · 4.625%
HK$62,437
+HK$3,126/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,622/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,126 · Scale 2, in force from 26 Feb 2026)