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$28,091
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,965
−HK$888/mo
Today · 4.125%
HK$29,853
baseline
▲ 0.50% · 4.625%
HK$31,669
+HK$1,816/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,706/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,251
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,090
−HK$850/mo
Today · 4.125%
HK$32,940
baseline
▲ 0.50% · 4.625%
HK$34,676
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,880/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,710
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,758
−HK$1,066/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$38,003
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,502
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,507
−HK$1,021/mo
Today · 4.125%
HK$39,528
baseline
▲ 0.50% · 4.625%
HK$41,611
+HK$2,083/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,056/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,328
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,551
−HK$1,243/mo
Today · 4.125%
HK$41,794
baseline
▲ 0.50% · 4.625%
HK$44,337
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,588/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,752
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,925
−HK$1,191/mo
Today · 4.125%
HK$46,116
baseline
▲ 0.50% · 4.625%
HK$48,547
+HK$2,431/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,232/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,565
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,137
−HK$1,598/mo
Today · 4.125%
HK$53,735
baseline
▲ 0.50% · 4.625%
HK$57,005
+HK$3,270/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,470/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,253
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,761
−HK$1,531/mo
Today · 4.125%
HK$59,292
baseline
▲ 0.50% · 4.625%
HK$62,417
+HK$3,125/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,584/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,978 · Scale 2, in force from 26 Feb 2026)