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$28,080
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,953
−HK$888/mo
Today · 4.125%
HK$29,841
baseline
▲ 0.50% · 4.625%
HK$31,656
+HK$1,815/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,682/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,238
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,076
−HK$850/mo
Today · 4.125%
HK$32,926
baseline
▲ 0.50% · 4.625%
HK$34,662
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,852/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,696
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,744
−HK$1,065/mo
Today · 4.125%
HK$35,809
baseline
▲ 0.50% · 4.625%
HK$37,988
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,618/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,486
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,492
−HK$1,019/mo
Today · 4.125%
HK$39,511
baseline
▲ 0.50% · 4.625%
HK$41,594
+HK$2,083/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,022/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,312
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,534
−HK$1,243/mo
Today · 4.125%
HK$41,777
baseline
▲ 0.50% · 4.625%
HK$44,319
+HK$2,542/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,554/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,734
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,907
−HK$1,190/mo
Today · 4.125%
HK$46,097
baseline
▲ 0.50% · 4.625%
HK$48,526
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,194/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,544
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,116
−HK$1,597/mo
Today · 4.125%
HK$53,713
baseline
▲ 0.50% · 4.625%
HK$56,981
+HK$3,268/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,426/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,229
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,737
−HK$1,530/mo
Today · 4.125%
HK$59,267
baseline
▲ 0.50% · 4.625%
HK$62,391
+HK$3,124/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,534/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,787 · Scale 2, in force from 26 Feb 2026)