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$28,075
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,948
−HK$887/mo
Today · 4.125%
HK$29,835
baseline
▲ 0.50% · 4.625%
HK$31,651
+HK$1,816/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,670/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,233
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,071
−HK$850/mo
Today · 4.125%
HK$32,921
baseline
▲ 0.50% · 4.625%
HK$34,656
+HK$1,735/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,842/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,690
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,738
−HK$1,065/mo
Today · 4.125%
HK$35,803
baseline
▲ 0.50% · 4.625%
HK$37,981
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$71,606/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,480
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,485
−HK$1,020/mo
Today · 4.125%
HK$39,505
baseline
▲ 0.50% · 4.625%
HK$41,587
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$79,010/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,305
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,528
−HK$1,242/mo
Today · 4.125%
HK$41,770
baseline
▲ 0.50% · 4.625%
HK$44,311
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,540/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,726
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,899
−HK$1,190/mo
Today · 4.125%
HK$46,089
baseline
▲ 0.50% · 4.625%
HK$48,518
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,178/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,535
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,107
−HK$1,597/mo
Today · 4.125%
HK$53,704
baseline
▲ 0.50% · 4.625%
HK$56,972
+HK$3,268/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,408/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,220
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,727
−HK$1,530/mo
Today · 4.125%
HK$59,257
baseline
▲ 0.50% · 4.625%
HK$62,380
+HK$3,123/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,514/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,708 · Scale 2, in force from 26 Feb 2026)