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$28,107
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,981
−HK$888/mo
Today · 4.125%
HK$29,869
baseline
▲ 0.50% · 4.625%
HK$31,687
+HK$1,818/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,738/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,269
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,107
−HK$851/mo
Today · 4.125%
HK$32,958
baseline
▲ 0.50% · 4.625%
HK$34,695
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,916/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,728
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,777
−HK$1,066/mo
Today · 4.125%
HK$35,843
baseline
▲ 0.50% · 4.625%
HK$38,024
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,686/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,522
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,529
−HK$1,021/mo
Today · 4.125%
HK$39,550
baseline
▲ 0.50% · 4.625%
HK$41,634
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,100/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,350
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,574
−HK$1,243/mo
Today · 4.125%
HK$41,817
baseline
▲ 0.50% · 4.625%
HK$44,362
+HK$2,545/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,634/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,776
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,950
−HK$1,191/mo
Today · 4.125%
HK$46,141
baseline
▲ 0.50% · 4.625%
HK$48,573
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,282/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,592
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,166
−HK$1,599/mo
Today · 4.125%
HK$53,765
baseline
▲ 0.50% · 4.625%
HK$57,036
+HK$3,271/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,530/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,284
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,793
−HK$1,531/mo
Today · 4.125%
HK$59,324
baseline
▲ 0.50% · 4.625%
HK$62,451
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,648/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,233 · Scale 2, in force from 26 Feb 2026)