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$28,122
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,996
−HK$889/mo
Today · 4.125%
HK$29,885
baseline
▲ 0.50% · 4.625%
HK$31,703
+HK$1,818/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$59,770/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,285
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,124
−HK$851/mo
Today · 4.125%
HK$32,975
baseline
▲ 0.50% · 4.625%
HK$34,713
+HK$1,738/mo
Deposit HK$6.17M · loan HK$6.17M · min. income ≈ HK$65,950/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,746
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,796
−HK$1,066/mo
Today · 4.125%
HK$35,862
baseline
▲ 0.50% · 4.625%
HK$38,044
+HK$2,182/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,724/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,542
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,549
−HK$1,021/mo
Today · 4.125%
HK$39,570
baseline
▲ 0.50% · 4.625%
HK$41,656
+HK$2,086/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,140/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$462,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,370
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,595
−HK$1,244/mo
Today · 4.125%
HK$41,839
baseline
▲ 0.50% · 4.625%
HK$44,385
+HK$2,546/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,678/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,799
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,974
−HK$1,191/mo
Today · 4.125%
HK$46,165
baseline
▲ 0.50% · 4.625%
HK$48,599
+HK$2,434/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,330/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,619
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,193
−HK$1,600/mo
Today · 4.125%
HK$53,793
baseline
▲ 0.50% · 4.625%
HK$57,066
+HK$3,273/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$107,586/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,313
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,823
−HK$1,532/mo
Today · 4.125%
HK$59,355
baseline
▲ 0.50% · 4.625%
HK$62,484
+HK$3,129/mo
Deposit HK$1.23M · loan HK$11.10M · min. income ≈ HK$118,710/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$462,474 · Scale 2, in force from 26 Feb 2026)