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$28,097
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,971
−HK$888/mo
Today · 4.125%
HK$29,859
baseline
▲ 0.50% · 4.625%
HK$31,676
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,718/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,257
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,096
−HK$850/mo
Today · 4.125%
HK$32,946
baseline
▲ 0.50% · 4.625%
HK$34,683
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,892/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,716
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,765
−HK$1,066/mo
Today · 4.125%
HK$35,831
baseline
▲ 0.50% · 4.625%
HK$38,011
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,662/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,509
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,515
−HK$1,020/mo
Today · 4.125%
HK$39,535
baseline
▲ 0.50% · 4.625%
HK$41,619
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,070/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,336
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,559
−HK$1,243/mo
Today · 4.125%
HK$41,802
baseline
▲ 0.50% · 4.625%
HK$44,346
+HK$2,544/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,604/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,760
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,934
−HK$1,191/mo
Today · 4.125%
HK$46,125
baseline
▲ 0.50% · 4.625%
HK$48,556
+HK$2,431/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,250/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,574
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,148
−HK$1,598/mo
Today · 4.125%
HK$53,746
baseline
▲ 0.50% · 4.625%
HK$57,016
+HK$3,270/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,492/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,263
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,772
−HK$1,531/mo
Today · 4.125%
HK$59,303
baseline
▲ 0.50% · 4.625%
HK$62,429
+HK$3,126/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,606/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,068 · Scale 2, in force from 26 Feb 2026)