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$28,079
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,953
−HK$887/mo
Today · 4.125%
HK$29,840
baseline
▲ 0.50% · 4.625%
HK$31,656
+HK$1,816/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,680/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,238
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,076
−HK$849/mo
Today · 4.125%
HK$32,925
baseline
▲ 0.50% · 4.625%
HK$34,661
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,850/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,695
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,743
−HK$1,065/mo
Today · 4.125%
HK$35,808
baseline
▲ 0.50% · 4.625%
HK$37,987
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,616/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,485
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,491
−HK$1,019/mo
Today · 4.125%
HK$39,510
baseline
▲ 0.50% · 4.625%
HK$41,593
+HK$2,083/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,020/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,311
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,534
−HK$1,242/mo
Today · 4.125%
HK$41,776
baseline
▲ 0.50% · 4.625%
HK$44,318
+HK$2,542/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,552/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,733
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,906
−HK$1,190/mo
Today · 4.125%
HK$46,096
baseline
▲ 0.50% · 4.625%
HK$48,525
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,192/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,542
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,115
−HK$1,597/mo
Today · 4.125%
HK$53,712
baseline
▲ 0.50% · 4.625%
HK$56,980
+HK$3,268/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,424/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,228
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,736
−HK$1,530/mo
Today · 4.125%
HK$59,266
baseline
▲ 0.50% · 4.625%
HK$62,390
+HK$3,124/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,532/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,776 · Scale 2, in force from 26 Feb 2026)