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$28,098
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,972
−HK$888/mo
Today · 4.125%
HK$29,860
baseline
▲ 0.50% · 4.625%
HK$31,677
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,720/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,259
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,097
−HK$850/mo
Today · 4.125%
HK$32,947
baseline
▲ 0.50% · 4.625%
HK$34,684
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,894/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,717
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,766
−HK$1,066/mo
Today · 4.125%
HK$35,832
baseline
▲ 0.50% · 4.625%
HK$38,012
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,664/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,510
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,516
−HK$1,021/mo
Today · 4.125%
HK$39,537
baseline
▲ 0.50% · 4.625%
HK$41,621
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,074/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,337
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,561
−HK$1,243/mo
Today · 4.125%
HK$41,804
baseline
▲ 0.50% · 4.625%
HK$44,347
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,608/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,762
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,936
−HK$1,190/mo
Today · 4.125%
HK$46,126
baseline
▲ 0.50% · 4.625%
HK$48,558
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,252/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,576
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,149
−HK$1,599/mo
Today · 4.125%
HK$53,748
baseline
▲ 0.50% · 4.625%
HK$57,018
+HK$3,270/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,496/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,265
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,774
−HK$1,531/mo
Today · 4.125%
HK$59,305
baseline
▲ 0.50% · 4.625%
HK$62,431
+HK$3,126/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,610/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,084 · Scale 2, in force from 26 Feb 2026)