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$28,106
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,980
−HK$888/mo
Today · 4.125%
HK$29,868
baseline
▲ 0.50% · 4.625%
HK$31,686
+HK$1,818/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,736/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,267
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,106
−HK$851/mo
Today · 4.125%
HK$32,957
baseline
▲ 0.50% · 4.625%
HK$34,694
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,914/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,727
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,776
−HK$1,066/mo
Today · 4.125%
HK$35,842
baseline
▲ 0.50% · 4.625%
HK$38,023
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,684/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,521
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,527
−HK$1,021/mo
Today · 4.125%
HK$39,548
baseline
▲ 0.50% · 4.625%
HK$41,632
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,096/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,348
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,572
−HK$1,243/mo
Today · 4.125%
HK$41,815
baseline
▲ 0.50% · 4.625%
HK$44,360
+HK$2,545/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,630/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,774
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,948
−HK$1,191/mo
Today · 4.125%
HK$46,139
baseline
▲ 0.50% · 4.625%
HK$48,571
+HK$2,432/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,278/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,590
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,164
−HK$1,599/mo
Today · 4.125%
HK$53,763
baseline
▲ 0.50% · 4.625%
HK$57,034
+HK$3,271/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,526/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,281
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,790
−HK$1,532/mo
Today · 4.125%
HK$59,322
baseline
▲ 0.50% · 4.625%
HK$62,449
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,644/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,212 · Scale 2, in force from 26 Feb 2026)