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$28,112
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,987
−HK$888/mo
Today · 4.125%
HK$29,875
baseline
▲ 0.50% · 4.625%
HK$31,693
+HK$1,818/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,750/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,275
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,113
−HK$851/mo
Today · 4.125%
HK$32,964
baseline
▲ 0.50% · 4.625%
HK$34,702
+HK$1,738/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,928/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,735
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,784
−HK$1,066/mo
Today · 4.125%
HK$35,850
baseline
▲ 0.50% · 4.625%
HK$38,032
+HK$2,182/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,700/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,530
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,536
−HK$1,021/mo
Today · 4.125%
HK$39,557
baseline
▲ 0.50% · 4.625%
HK$41,642
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,114/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,357
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,582
−HK$1,243/mo
Today · 4.125%
HK$41,825
baseline
▲ 0.50% · 4.625%
HK$44,370
+HK$2,545/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,650/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,785
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,959
−HK$1,191/mo
Today · 4.125%
HK$46,150
baseline
▲ 0.50% · 4.625%
HK$48,583
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,300/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,602
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,176
−HK$1,599/mo
Today · 4.125%
HK$53,775
baseline
▲ 0.50% · 4.625%
HK$57,048
+HK$3,273/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,550/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,294
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,804
−HK$1,532/mo
Today · 4.125%
HK$59,336
baseline
▲ 0.50% · 4.625%
HK$62,464
+HK$3,128/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,672/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,323 · Scale 2, in force from 26 Feb 2026)