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$28,092
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,966
−HK$887/mo
Today · 4.125%
HK$29,853
baseline
▲ 0.50% · 4.625%
HK$31,670
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,706/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,252
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,090
−HK$850/mo
Today · 4.125%
HK$32,940
baseline
▲ 0.50% · 4.625%
HK$34,677
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,880/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,710
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,759
−HK$1,065/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$38,004
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,502
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,508
−HK$1,020/mo
Today · 4.125%
HK$39,528
baseline
▲ 0.50% · 4.625%
HK$41,612
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,056/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,329
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,552
−HK$1,243/mo
Today · 4.125%
HK$41,795
baseline
▲ 0.50% · 4.625%
HK$44,338
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,590/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,753
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,926
−HK$1,191/mo
Today · 4.125%
HK$46,117
baseline
▲ 0.50% · 4.625%
HK$48,547
+HK$2,430/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,234/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,565
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,138
−HK$1,598/mo
Today · 4.125%
HK$53,736
baseline
▲ 0.50% · 4.625%
HK$57,006
+HK$3,270/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,472/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,253
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,762
−HK$1,531/mo
Today · 4.125%
HK$59,293
baseline
▲ 0.50% · 4.625%
HK$62,418
+HK$3,125/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,586/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,986 · Scale 2, in force from 26 Feb 2026)