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$28,084
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,957
−HK$888/mo
Today · 4.125%
HK$29,845
baseline
▲ 0.50% · 4.625%
HK$31,661
+HK$1,816/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,690/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,243
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,081
−HK$850/mo
Today · 4.125%
HK$32,931
baseline
▲ 0.50% · 4.625%
HK$34,666
+HK$1,735/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,862/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,700
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,749
−HK$1,065/mo
Today · 4.125%
HK$35,814
baseline
▲ 0.50% · 4.625%
HK$37,993
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,628/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,491
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,497
−HK$1,020/mo
Today · 4.125%
HK$39,517
baseline
▲ 0.50% · 4.625%
HK$41,600
+HK$2,083/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,034/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,317
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,540
−HK$1,243/mo
Today · 4.125%
HK$41,783
baseline
▲ 0.50% · 4.625%
HK$44,325
+HK$2,542/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,566/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,740
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,913
−HK$1,190/mo
Today · 4.125%
HK$46,103
baseline
▲ 0.50% · 4.625%
HK$48,533
+HK$2,430/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,206/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,550
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,123
−HK$1,597/mo
Today · 4.125%
HK$53,720
baseline
▲ 0.50% · 4.625%
HK$56,989
+HK$3,269/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,440/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,237
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,745
−HK$1,530/mo
Today · 4.125%
HK$59,275
baseline
▲ 0.50% · 4.625%
HK$62,400
+HK$3,125/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,550/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,850 · Scale 2, in force from 26 Feb 2026)