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$28,093
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,967
−HK$888/mo
Today · 4.125%
HK$29,855
baseline
▲ 0.50% · 4.625%
HK$31,671
+HK$1,816/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,710/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,253
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,091
−HK$851/mo
Today · 4.125%
HK$32,942
baseline
▲ 0.50% · 4.625%
HK$34,678
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,884/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,712
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,760
−HK$1,066/mo
Today · 4.125%
HK$35,826
baseline
▲ 0.50% · 4.625%
HK$38,005
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,652/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,504
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,510
−HK$1,020/mo
Today · 4.125%
HK$39,530
baseline
▲ 0.50% · 4.625%
HK$41,614
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,060/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,330
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,554
−HK$1,242/mo
Today · 4.125%
HK$41,796
baseline
▲ 0.50% · 4.625%
HK$44,340
+HK$2,544/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,592/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,754
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,928
−HK$1,190/mo
Today · 4.125%
HK$46,118
baseline
▲ 0.50% · 4.625%
HK$48,549
+HK$2,431/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,236/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,567
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,140
−HK$1,598/mo
Today · 4.125%
HK$53,738
baseline
▲ 0.50% · 4.625%
HK$57,008
+HK$3,270/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,476/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,256
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,764
−HK$1,531/mo
Today · 4.125%
HK$59,295
baseline
▲ 0.50% · 4.625%
HK$62,420
+HK$3,125/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,590/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,003 · Scale 2, in force from 26 Feb 2026)