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$28,945
−HK$888/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$461,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,230
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,068
−HK$849/mo
Today · 4.125%
HK$32,917
baseline
▲ 0.50% · 4.625%
HK$34,652
+HK$1,735/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,834/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,687
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,734
−HK$1,065/mo
Today · 4.125%
HK$35,799
baseline
▲ 0.50% · 4.625%
HK$37,977
+HK$2,178/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$461,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,476
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,481
−HK$1,020/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$461,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,301
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,523
−HK$1,243/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$461,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,722
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,895
−HK$1,189/mo
Today · 4.125%
HK$46,084
baseline
▲ 0.50% · 4.625%
HK$48,513
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,168/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,662 · 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$56,966
+HK$3,267/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$461,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,214
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,722
−HK$1,529/mo
Today · 4.125%
HK$59,251
baseline
▲ 0.50% · 4.625%
HK$62,374
+HK$3,123/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,502/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,662 · Scale 2, in force from 26 Feb 2026)