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$28,083
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,956
−HK$888/mo
Today · 4.125%
HK$29,844
baseline
▲ 0.50% · 4.625%
HK$31,660
+HK$1,816/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,688/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,242
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,080
−HK$850/mo
Today · 4.125%
HK$32,930
baseline
▲ 0.50% · 4.625%
HK$34,666
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,860/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,699
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,748
−HK$1,065/mo
Today · 4.125%
HK$35,813
baseline
▲ 0.50% · 4.625%
HK$37,992
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,626/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,490
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,496
−HK$1,020/mo
Today · 4.125%
HK$39,516
baseline
▲ 0.50% · 4.625%
HK$41,599
+HK$2,083/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,032/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,316
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,539
−HK$1,243/mo
Today · 4.125%
HK$41,782
baseline
▲ 0.50% · 4.625%
HK$44,324
+HK$2,542/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,564/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,739
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,912
−HK$1,190/mo
Today · 4.125%
HK$46,102
baseline
▲ 0.50% · 4.625%
HK$48,532
+HK$2,430/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,204/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,549
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,122
−HK$1,597/mo
Today · 4.125%
HK$53,719
baseline
▲ 0.50% · 4.625%
HK$56,988
+HK$3,269/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,438/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,235
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,744
−HK$1,530/mo
Today · 4.125%
HK$59,274
baseline
▲ 0.50% · 4.625%
HK$62,398
+HK$3,124/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,548/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,838 · Scale 2, in force from 26 Feb 2026)