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$28,082
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,955
−HK$888/mo
Today · 4.125%
HK$29,843
baseline
▲ 0.50% · 4.625%
HK$31,658
+HK$1,815/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,686/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,241
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,078
−HK$850/mo
Today · 4.125%
HK$32,928
baseline
▲ 0.50% · 4.625%
HK$34,664
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,856/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,698
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,746
−HK$1,065/mo
Today · 4.125%
HK$35,811
baseline
▲ 0.50% · 4.625%
HK$37,990
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,622/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,489
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,494
−HK$1,020/mo
Today · 4.125%
HK$39,514
baseline
▲ 0.50% · 4.625%
HK$41,597
+HK$2,083/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,028/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,314
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,537
−HK$1,243/mo
Today · 4.125%
HK$41,780
baseline
▲ 0.50% · 4.625%
HK$44,322
+HK$2,542/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,560/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,737
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,910
−HK$1,190/mo
Today · 4.125%
HK$46,100
baseline
▲ 0.50% · 4.625%
HK$48,530
+HK$2,430/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,200/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,547
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,119
−HK$1,598/mo
Today · 4.125%
HK$53,717
baseline
▲ 0.50% · 4.625%
HK$56,985
+HK$3,268/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,434/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,233
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,741
−HK$1,530/mo
Today · 4.125%
HK$59,271
baseline
▲ 0.50% · 4.625%
HK$62,395
+HK$3,124/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,542/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,817 · Scale 2, in force from 26 Feb 2026)