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$28,107
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,981
−HK$889/mo
Today · 4.125%
HK$29,870
baseline
▲ 0.50% · 4.625%
HK$31,687
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,740/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,269
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,107
−HK$851/mo
Today · 4.125%
HK$32,958
baseline
▲ 0.50% · 4.625%
HK$34,696
+HK$1,738/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,916/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,729
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,778
−HK$1,066/mo
Today · 4.125%
HK$35,844
baseline
▲ 0.50% · 4.625%
HK$38,025
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,688/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,523
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,529
−HK$1,021/mo
Today · 4.125%
HK$39,550
baseline
▲ 0.50% · 4.625%
HK$41,635
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,100/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,350
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,574
−HK$1,244/mo
Today · 4.125%
HK$41,818
baseline
▲ 0.50% · 4.625%
HK$44,362
+HK$2,544/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,636/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,776
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,950
−HK$1,192/mo
Today · 4.125%
HK$46,142
baseline
▲ 0.50% · 4.625%
HK$48,574
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,284/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,593
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,167
−HK$1,598/mo
Today · 4.125%
HK$53,765
baseline
▲ 0.50% · 4.625%
HK$57,037
+HK$3,272/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,530/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,284
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,793
−HK$1,532/mo
Today · 4.125%
HK$59,325
baseline
▲ 0.50% · 4.625%
HK$62,452
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,650/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,237 · Scale 2, in force from 26 Feb 2026)