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$28,110
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,984
−HK$889/mo
Today · 4.125%
HK$29,873
baseline
▲ 0.50% · 4.625%
HK$31,690
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,746/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,272
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,111
−HK$851/mo
Today · 4.125%
HK$32,962
baseline
▲ 0.50% · 4.625%
HK$34,699
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,924/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,732
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,781
−HK$1,066/mo
Today · 4.125%
HK$35,847
baseline
▲ 0.50% · 4.625%
HK$38,028
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,694/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,526
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,533
−HK$1,021/mo
Today · 4.125%
HK$39,554
baseline
▲ 0.50% · 4.625%
HK$41,639
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,108/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,354
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,578
−HK$1,244/mo
Today · 4.125%
HK$41,822
baseline
▲ 0.50% · 4.625%
HK$44,367
+HK$2,545/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,644/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,781
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,955
−HK$1,191/mo
Today · 4.125%
HK$46,146
baseline
▲ 0.50% · 4.625%
HK$48,579
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,292/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,598
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,172
−HK$1,599/mo
Today · 4.125%
HK$53,771
baseline
▲ 0.50% · 4.625%
HK$57,043
+HK$3,272/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,542/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,290
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,799
−HK$1,532/mo
Today · 4.125%
HK$59,331
baseline
▲ 0.50% · 4.625%
HK$62,458
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,662/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,283 · Scale 2, in force from 26 Feb 2026)