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$28,088
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,962
−HK$887/mo
Today · 4.125%
HK$29,849
baseline
▲ 0.50% · 4.625%
HK$31,666
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,698/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,248
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,086
−HK$850/mo
Today · 4.125%
HK$32,936
baseline
▲ 0.50% · 4.625%
HK$34,672
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,872/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,706
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,754
−HK$1,065/mo
Today · 4.125%
HK$35,819
baseline
▲ 0.50% · 4.625%
HK$37,999
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,638/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,497
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,503
−HK$1,020/mo
Today · 4.125%
HK$39,523
baseline
▲ 0.50% · 4.625%
HK$41,606
+HK$2,083/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,046/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,323
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,546
−HK$1,243/mo
Today · 4.125%
HK$41,789
baseline
▲ 0.50% · 4.625%
HK$44,332
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,578/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,747
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,920
−HK$1,190/mo
Today · 4.125%
HK$46,110
baseline
▲ 0.50% · 4.625%
HK$48,541
+HK$2,431/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,220/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,558
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,131
−HK$1,598/mo
Today · 4.125%
HK$53,729
baseline
▲ 0.50% · 4.625%
HK$56,998
+HK$3,269/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,458/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,246
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,754
−HK$1,530/mo
Today · 4.125%
HK$59,284
baseline
▲ 0.50% · 4.625%
HK$62,409
+HK$3,125/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,568/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,922 · Scale 2, in force from 26 Feb 2026)