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$28,105
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,980
−HK$888/mo
Today · 4.125%
HK$29,868
baseline
▲ 0.50% · 4.625%
HK$31,685
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,736/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,267
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,105
−HK$851/mo
Today · 4.125%
HK$32,956
baseline
▲ 0.50% · 4.625%
HK$34,693
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,912/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,726
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,776
−HK$1,065/mo
Today · 4.125%
HK$35,841
baseline
▲ 0.50% · 4.625%
HK$38,022
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,682/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,520
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,527
−HK$1,020/mo
Today · 4.125%
HK$39,547
baseline
▲ 0.50% · 4.625%
HK$41,632
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,094/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,347
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,571
−HK$1,244/mo
Today · 4.125%
HK$41,815
baseline
▲ 0.50% · 4.625%
HK$44,359
+HK$2,544/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,630/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,774
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,948
−HK$1,191/mo
Today · 4.125%
HK$46,139
baseline
▲ 0.50% · 4.625%
HK$48,571
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,278/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,590
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,163
−HK$1,599/mo
Today · 4.125%
HK$53,762
baseline
▲ 0.50% · 4.625%
HK$57,033
+HK$3,271/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,524/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,280
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,790
−HK$1,531/mo
Today · 4.125%
HK$59,321
baseline
▲ 0.50% · 4.625%
HK$62,448
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,642/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,208 · Scale 2, in force from 26 Feb 2026)