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$28,070
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,944
−HK$887/mo
Today · 4.125%
HK$29,831
baseline
▲ 0.50% · 4.625%
HK$31,646
+HK$1,815/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,662/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,228
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,066
−HK$849/mo
Today · 4.125%
HK$32,915
baseline
▲ 0.50% · 4.625%
HK$34,650
+HK$1,735/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,830/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,685
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,732
−HK$1,065/mo
Today · 4.125%
HK$35,797
baseline
▲ 0.50% · 4.625%
HK$37,975
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$71,594/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,474
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,479
−HK$1,019/mo
Today · 4.125%
HK$39,498
baseline
▲ 0.50% · 4.625%
HK$41,580
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$78,996/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,299
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,521
−HK$1,242/mo
Today · 4.125%
HK$41,763
baseline
▲ 0.50% · 4.625%
HK$44,304
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,526/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,719
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,892
−HK$1,189/mo
Today · 4.125%
HK$46,081
baseline
▲ 0.50% · 4.625%
HK$48,510
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,162/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,527
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,099
−HK$1,596/mo
Today · 4.125%
HK$53,695
baseline
▲ 0.50% · 4.625%
HK$56,963
+HK$3,268/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,390/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,211
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,718
−HK$1,530/mo
Today · 4.125%
HK$59,248
baseline
▲ 0.50% · 4.625%
HK$62,371
+HK$3,123/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,496/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,634 · Scale 2, in force from 26 Feb 2026)