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$28,106
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,980
−HK$889/mo
Today · 4.125%
HK$29,869
baseline
▲ 0.50% · 4.625%
HK$31,686
+HK$1,817/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$462,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,268
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,106
−HK$851/mo
Today · 4.125%
HK$32,957
baseline
▲ 0.50% · 4.625%
HK$34,694
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,914/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,727
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,776
−HK$1,066/mo
Today · 4.125%
HK$35,842
baseline
▲ 0.50% · 4.625%
HK$38,023
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,684/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,521
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,528
−HK$1,021/mo
Today · 4.125%
HK$39,549
baseline
▲ 0.50% · 4.625%
HK$41,633
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,098/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,349
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,573
−HK$1,243/mo
Today · 4.125%
HK$41,816
baseline
▲ 0.50% · 4.625%
HK$44,361
+HK$2,545/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,632/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,775
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,949
−HK$1,191/mo
Today · 4.125%
HK$46,140
baseline
▲ 0.50% · 4.625%
HK$48,572
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,280/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,591
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,165
−HK$1,599/mo
Today · 4.125%
HK$53,764
baseline
▲ 0.50% · 4.625%
HK$57,035
+HK$3,271/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,528/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,282
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,792
−HK$1,531/mo
Today · 4.125%
HK$59,323
baseline
▲ 0.50% · 4.625%
HK$62,450
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,646/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,221 · Scale 2, in force from 26 Feb 2026)