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$28,095
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,969
−HK$888/mo
Today · 4.125%
HK$29,857
baseline
▲ 0.50% · 4.625%
HK$31,674
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,714/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,256
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,094
−HK$851/mo
Today · 4.125%
HK$32,945
baseline
▲ 0.50% · 4.625%
HK$34,681
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,890/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,715
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,763
−HK$1,066/mo
Today · 4.125%
HK$35,829
baseline
▲ 0.50% · 4.625%
HK$38,009
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,658/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,507
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,513
−HK$1,020/mo
Today · 4.125%
HK$39,533
baseline
▲ 0.50% · 4.625%
HK$41,617
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,066/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,334
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,557
−HK$1,243/mo
Today · 4.125%
HK$41,800
baseline
▲ 0.50% · 4.625%
HK$44,344
+HK$2,544/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,600/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,758
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,932
−HK$1,190/mo
Today · 4.125%
HK$46,122
baseline
▲ 0.50% · 4.625%
HK$48,554
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,244/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,572
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,145
−HK$1,598/mo
Today · 4.125%
HK$53,743
baseline
▲ 0.50% · 4.625%
HK$57,013
+HK$3,270/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,486/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,261
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,769
−HK$1,531/mo
Today · 4.125%
HK$59,300
baseline
▲ 0.50% · 4.625%
HK$62,426
+HK$3,126/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,600/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,045 · Scale 2, in force from 26 Feb 2026)