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$28,109
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,983
−HK$889/mo
Today · 4.125%
HK$29,872
baseline
▲ 0.50% · 4.625%
HK$31,689
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,744/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,271
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,110
−HK$850/mo
Today · 4.125%
HK$32,960
baseline
▲ 0.50% · 4.625%
HK$34,698
+HK$1,738/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,920/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,731
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,780
−HK$1,066/mo
Today · 4.125%
HK$35,846
baseline
▲ 0.50% · 4.625%
HK$38,027
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,692/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,525
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,531
−HK$1,021/mo
Today · 4.125%
HK$39,552
baseline
▲ 0.50% · 4.625%
HK$41,637
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,104/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,352
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,577
−HK$1,243/mo
Today · 4.125%
HK$41,820
baseline
▲ 0.50% · 4.625%
HK$44,365
+HK$2,545/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,640/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,779
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,953
−HK$1,191/mo
Today · 4.125%
HK$46,144
baseline
▲ 0.50% · 4.625%
HK$48,577
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,288/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,596
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,170
−HK$1,599/mo
Today · 4.125%
HK$53,769
baseline
▲ 0.50% · 4.625%
HK$57,041
+HK$3,272/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,538/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,288
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,797
−HK$1,532/mo
Today · 4.125%
HK$59,329
baseline
▲ 0.50% · 4.625%
HK$62,456
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,658/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,266 · Scale 2, in force from 26 Feb 2026)