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$28,085
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,959
−HK$888/mo
Today · 4.125%
HK$29,847
baseline
▲ 0.50% · 4.625%
HK$31,663
+HK$1,816/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,694/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,245
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,083
−HK$850/mo
Today · 4.125%
HK$32,933
baseline
▲ 0.50% · 4.625%
HK$34,669
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,866/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,703
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,751
−HK$1,065/mo
Today · 4.125%
HK$35,816
baseline
▲ 0.50% · 4.625%
HK$37,995
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,632/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,494
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,499
−HK$1,020/mo
Today · 4.125%
HK$39,519
baseline
▲ 0.50% · 4.625%
HK$41,603
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,038/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,320
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,543
−HK$1,242/mo
Today · 4.125%
HK$41,785
baseline
▲ 0.50% · 4.625%
HK$44,328
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,570/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,743
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,916
−HK$1,190/mo
Today · 4.125%
HK$46,106
baseline
▲ 0.50% · 4.625%
HK$48,536
+HK$2,430/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,212/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,554
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,126
−HK$1,598/mo
Today · 4.125%
HK$53,724
baseline
▲ 0.50% · 4.625%
HK$56,993
+HK$3,269/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,448/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,241
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,749
−HK$1,530/mo
Today · 4.125%
HK$59,279
baseline
▲ 0.50% · 4.625%
HK$62,404
+HK$3,125/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,558/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,880 · Scale 2, in force from 26 Feb 2026)