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$28,071
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,944
−HK$887/mo
Today · 4.125%
HK$29,831
baseline
▲ 0.50% · 4.625%
HK$31,646
+HK$1,815/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,662/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,229
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,066
−HK$850/mo
Today · 4.125%
HK$32,916
baseline
▲ 0.50% · 4.625%
HK$34,651
+HK$1,735/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,832/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,685
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,733
−HK$1,064/mo
Today · 4.125%
HK$35,797
baseline
▲ 0.50% · 4.625%
HK$37,976
+HK$2,179/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$71,594/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,474
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,479
−HK$1,020/mo
Today · 4.125%
HK$39,499
baseline
▲ 0.50% · 4.625%
HK$41,581
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$78,998/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,299
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,522
−HK$1,242/mo
Today · 4.125%
HK$41,764
baseline
▲ 0.50% · 4.625%
HK$44,305
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,528/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,720
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,892
−HK$1,190/mo
Today · 4.125%
HK$46,082
baseline
▲ 0.50% · 4.625%
HK$48,511
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,164/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,528
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,099
−HK$1,597/mo
Today · 4.125%
HK$53,696
baseline
▲ 0.50% · 4.625%
HK$56,963
+HK$3,267/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,392/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,211
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,719
−HK$1,529/mo
Today · 4.125%
HK$59,248
baseline
▲ 0.50% · 4.625%
HK$62,371
+HK$3,123/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,496/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,640 · Scale 2, in force from 26 Feb 2026)