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$28,103
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,977
−HK$888/mo
Today · 4.125%
HK$29,865
baseline
▲ 0.50% · 4.625%
HK$31,682
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,730/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,264
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,102
−HK$851/mo
Today · 4.125%
HK$32,953
baseline
▲ 0.50% · 4.625%
HK$34,690
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,906/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,723
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,772
−HK$1,066/mo
Today · 4.125%
HK$35,838
baseline
▲ 0.50% · 4.625%
HK$38,019
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,676/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,517
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,523
−HK$1,021/mo
Today · 4.125%
HK$39,544
baseline
▲ 0.50% · 4.625%
HK$41,628
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,088/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,344
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,568
−HK$1,243/mo
Today · 4.125%
HK$41,811
baseline
▲ 0.50% · 4.625%
HK$44,355
+HK$2,544/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,622/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,770
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,943
−HK$1,191/mo
Today · 4.125%
HK$46,134
baseline
▲ 0.50% · 4.625%
HK$48,566
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,268/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,585
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,158
−HK$1,599/mo
Today · 4.125%
HK$53,757
baseline
▲ 0.50% · 4.625%
HK$57,028
+HK$3,271/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,514/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,275
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,784
−HK$1,532/mo
Today · 4.125%
HK$59,316
baseline
▲ 0.50% · 4.625%
HK$62,442
+HK$3,126/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,632/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,165 · Scale 2, in force from 26 Feb 2026)