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$28,099
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,973
−HK$888/mo
Today · 4.125%
HK$29,861
baseline
▲ 0.50% · 4.625%
HK$31,678
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,722/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,260
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,098
−HK$851/mo
Today · 4.125%
HK$32,949
baseline
▲ 0.50% · 4.625%
HK$34,686
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,898/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,719
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,768
−HK$1,065/mo
Today · 4.125%
HK$35,833
baseline
▲ 0.50% · 4.625%
HK$38,014
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,666/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,512
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,518
−HK$1,021/mo
Today · 4.125%
HK$39,539
baseline
▲ 0.50% · 4.625%
HK$41,623
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,078/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,339
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,562
−HK$1,244/mo
Today · 4.125%
HK$41,806
baseline
▲ 0.50% · 4.625%
HK$44,349
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,612/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,764
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,938
−HK$1,190/mo
Today · 4.125%
HK$46,128
baseline
▲ 0.50% · 4.625%
HK$48,560
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,256/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,578
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,152
−HK$1,598/mo
Today · 4.125%
HK$53,750
baseline
▲ 0.50% · 4.625%
HK$57,021
+HK$3,271/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,500/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,268
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,777
−HK$1,531/mo
Today · 4.125%
HK$59,308
baseline
▲ 0.50% · 4.625%
HK$62,434
+HK$3,126/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,616/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,105 · Scale 2, in force from 26 Feb 2026)