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$28,112
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,986
−HK$889/mo
Today · 4.125%
HK$29,875
baseline
▲ 0.50% · 4.625%
HK$31,693
+HK$1,818/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,750/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,274
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,113
−HK$851/mo
Today · 4.125%
HK$32,964
baseline
▲ 0.50% · 4.625%
HK$34,701
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,928/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,734
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,784
−HK$1,066/mo
Today · 4.125%
HK$35,850
baseline
▲ 0.50% · 4.625%
HK$38,031
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,700/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,529
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,536
−HK$1,021/mo
Today · 4.125%
HK$39,557
baseline
▲ 0.50% · 4.625%
HK$41,642
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,114/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,357
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,581
−HK$1,244/mo
Today · 4.125%
HK$41,825
baseline
▲ 0.50% · 4.625%
HK$44,370
+HK$2,545/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,650/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,784
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,958
−HK$1,191/mo
Today · 4.125%
HK$46,149
baseline
▲ 0.50% · 4.625%
HK$48,582
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,298/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,601
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,175
−HK$1,600/mo
Today · 4.125%
HK$53,775
baseline
▲ 0.50% · 4.625%
HK$57,047
+HK$3,272/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,550/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,294
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,803
−HK$1,532/mo
Today · 4.125%
HK$59,335
baseline
▲ 0.50% · 4.625%
HK$62,463
+HK$3,128/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,670/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,315 · Scale 2, in force from 26 Feb 2026)