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$28,064
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,937
−HK$887/mo
Today · 4.125%
HK$29,824
baseline
▲ 0.50% · 4.625%
HK$31,639
+HK$1,815/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,648/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,221
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,058
−HK$850/mo
Today · 4.125%
HK$32,908
baseline
▲ 0.50% · 4.625%
HK$34,642
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,816/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,677
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,724
−HK$1,065/mo
Today · 4.125%
HK$35,789
baseline
▲ 0.50% · 4.625%
HK$37,966
+HK$2,177/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,578/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,465
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,470
−HK$1,019/mo
Today · 4.125%
HK$39,489
baseline
▲ 0.50% · 4.625%
HK$41,571
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,978/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,290
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,512
−HK$1,241/mo
Today · 4.125%
HK$41,753
baseline
▲ 0.50% · 4.625%
HK$44,294
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,506/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,709
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,882
−HK$1,189/mo
Today · 4.125%
HK$46,071
baseline
▲ 0.50% · 4.625%
HK$48,499
+HK$2,428/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,142/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,515
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,087
−HK$1,596/mo
Today · 4.125%
HK$53,683
baseline
▲ 0.50% · 4.625%
HK$56,949
+HK$3,266/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,366/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,198
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,705
−HK$1,529/mo
Today · 4.125%
HK$59,234
baseline
▲ 0.50% · 4.625%
HK$62,356
+HK$3,122/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,468/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,528 · Scale 2, in force from 26 Feb 2026)