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$28,108
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,983
−HK$888/mo
Today · 4.125%
HK$29,871
baseline
▲ 0.50% · 4.625%
HK$31,689
+HK$1,818/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,742/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,270
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,109
−HK$851/mo
Today · 4.125%
HK$32,960
baseline
▲ 0.50% · 4.625%
HK$34,697
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,920/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,730
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,779
−HK$1,066/mo
Today · 4.125%
HK$35,845
baseline
▲ 0.50% · 4.625%
HK$38,026
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,690/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,524
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,531
−HK$1,021/mo
Today · 4.125%
HK$39,552
baseline
▲ 0.50% · 4.625%
HK$41,637
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,104/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,352
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,576
−HK$1,244/mo
Today · 4.125%
HK$41,820
baseline
▲ 0.50% · 4.625%
HK$44,364
+HK$2,544/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,640/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,779
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,953
−HK$1,191/mo
Today · 4.125%
HK$46,144
baseline
▲ 0.50% · 4.625%
HK$48,576
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,288/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,595
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,169
−HK$1,599/mo
Today · 4.125%
HK$53,768
baseline
▲ 0.50% · 4.625%
HK$57,040
+HK$3,272/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,536/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,287
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,796
−HK$1,532/mo
Today · 4.125%
HK$59,328
baseline
▲ 0.50% · 4.625%
HK$62,455
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,656/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,259 · Scale 2, in force from 26 Feb 2026)