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$28,060
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,933
−HK$887/mo
Today · 4.125%
HK$29,820
baseline
▲ 0.50% · 4.625%
HK$31,634
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,640/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,217
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,054
−HK$849/mo
Today · 4.125%
HK$32,903
baseline
▲ 0.50% · 4.625%
HK$34,638
+HK$1,735/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,806/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,672
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,720
−HK$1,064/mo
Today · 4.125%
HK$35,784
baseline
▲ 0.50% · 4.625%
HK$37,961
+HK$2,177/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,568/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,460
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,465
−HK$1,019/mo
Today · 4.125%
HK$39,484
baseline
▲ 0.50% · 4.625%
HK$41,565
+HK$2,081/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,968/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,284
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,506
−HK$1,242/mo
Today · 4.125%
HK$41,748
baseline
▲ 0.50% · 4.625%
HK$44,288
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,496/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,703
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,875
−HK$1,189/mo
Today · 4.125%
HK$46,064
baseline
▲ 0.50% · 4.625%
HK$48,493
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,128/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,508
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,079
−HK$1,597/mo
Today · 4.125%
HK$53,676
baseline
▲ 0.50% · 4.625%
HK$56,942
+HK$3,266/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,352/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,190
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,697
−HK$1,529/mo
Today · 4.125%
HK$59,226
baseline
▲ 0.50% · 4.625%
HK$62,348
+HK$3,122/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,452/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,464 · Scale 2, in force from 26 Feb 2026)