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$28,072
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,946
−HK$887/mo
Today · 4.125%
HK$29,833
baseline
▲ 0.50% · 4.625%
HK$31,648
+HK$1,815/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,666/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,230
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,068
−HK$850/mo
Today · 4.125%
HK$32,918
baseline
▲ 0.50% · 4.625%
HK$34,653
+HK$1,735/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,836/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,687
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,735
−HK$1,064/mo
Today · 4.125%
HK$35,799
baseline
▲ 0.50% · 4.625%
HK$37,978
+HK$2,179/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$71,598/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,476
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,482
−HK$1,019/mo
Today · 4.125%
HK$39,501
baseline
▲ 0.50% · 4.625%
HK$41,583
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$79,002/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,301
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,524
−HK$1,242/mo
Today · 4.125%
HK$41,766
baseline
▲ 0.50% · 4.625%
HK$44,307
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,532/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,722
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,895
−HK$1,190/mo
Today · 4.125%
HK$46,085
baseline
▲ 0.50% · 4.625%
HK$48,514
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,170/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,530
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,102
−HK$1,597/mo
Today · 4.125%
HK$53,699
baseline
▲ 0.50% · 4.625%
HK$56,967
+HK$3,268/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,398/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,215
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,722
−HK$1,530/mo
Today · 4.125%
HK$59,252
baseline
▲ 0.50% · 4.625%
HK$62,375
+HK$3,123/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,504/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,667 · Scale 2, in force from 26 Feb 2026)