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$28,096
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,970
−HK$888/mo
Today · 4.125%
HK$29,858
baseline
▲ 0.50% · 4.625%
HK$31,674
+HK$1,816/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,716/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,256
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,094
−HK$851/mo
Today · 4.125%
HK$32,945
baseline
▲ 0.50% · 4.625%
HK$34,681
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,890/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,715
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,764
−HK$1,065/mo
Today · 4.125%
HK$35,829
baseline
▲ 0.50% · 4.625%
HK$38,009
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,658/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,507
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,513
−HK$1,021/mo
Today · 4.125%
HK$39,534
baseline
▲ 0.50% · 4.625%
HK$41,618
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,068/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,334
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,557
−HK$1,244/mo
Today · 4.125%
HK$41,801
baseline
▲ 0.50% · 4.625%
HK$44,344
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,602/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,759
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,932
−HK$1,191/mo
Today · 4.125%
HK$46,123
baseline
▲ 0.50% · 4.625%
HK$48,554
+HK$2,431/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,246/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,572
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,145
−HK$1,599/mo
Today · 4.125%
HK$53,744
baseline
▲ 0.50% · 4.625%
HK$57,014
+HK$3,270/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,488/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,261
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,770
−HK$1,531/mo
Today · 4.125%
HK$59,301
baseline
▲ 0.50% · 4.625%
HK$62,427
+HK$3,126/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,602/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,049 · Scale 2, in force from 26 Feb 2026)