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$28,100
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,974
−HK$888/mo
Today · 4.125%
HK$29,862
baseline
▲ 0.50% · 4.625%
HK$31,679
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,724/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,261
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,099
−HK$851/mo
Today · 4.125%
HK$32,950
baseline
▲ 0.50% · 4.625%
HK$34,687
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,900/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,720
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,769
−HK$1,066/mo
Today · 4.125%
HK$35,835
baseline
▲ 0.50% · 4.625%
HK$38,015
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,670/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,513
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,519
−HK$1,021/mo
Today · 4.125%
HK$39,540
baseline
▲ 0.50% · 4.625%
HK$41,624
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,080/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,340
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,564
−HK$1,243/mo
Today · 4.125%
HK$41,807
baseline
▲ 0.50% · 4.625%
HK$44,351
+HK$2,544/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,614/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,765
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,939
−HK$1,191/mo
Today · 4.125%
HK$46,130
baseline
▲ 0.50% · 4.625%
HK$48,562
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,260/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,580
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,153
−HK$1,599/mo
Today · 4.125%
HK$53,752
baseline
▲ 0.50% · 4.625%
HK$57,023
+HK$3,271/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,504/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,270
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,779
−HK$1,531/mo
Today · 4.125%
HK$59,310
baseline
▲ 0.50% · 4.625%
HK$62,436
+HK$3,126/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,620/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,121 · Scale 2, in force from 26 Feb 2026)