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$28,089
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,963
−HK$888/mo
Today · 4.125%
HK$29,851
baseline
▲ 0.50% · 4.625%
HK$31,667
+HK$1,816/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,702/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,249
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,087
−HK$850/mo
Today · 4.125%
HK$32,937
baseline
▲ 0.50% · 4.625%
HK$34,673
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,874/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,707
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,756
−HK$1,065/mo
Today · 4.125%
HK$35,821
baseline
▲ 0.50% · 4.625%
HK$38,000
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,642/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,499
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,504
−HK$1,021/mo
Today · 4.125%
HK$39,525
baseline
▲ 0.50% · 4.625%
HK$41,608
+HK$2,083/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,050/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,325
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,548
−HK$1,243/mo
Today · 4.125%
HK$41,791
baseline
▲ 0.50% · 4.625%
HK$44,334
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,582/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,749
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,922
−HK$1,190/mo
Today · 4.125%
HK$46,112
baseline
▲ 0.50% · 4.625%
HK$48,543
+HK$2,431/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,224/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,561
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,133
−HK$1,598/mo
Today · 4.125%
HK$53,731
baseline
▲ 0.50% · 4.625%
HK$57,001
+HK$3,270/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,462/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,248
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,757
−HK$1,530/mo
Today · 4.125%
HK$59,287
baseline
▲ 0.50% · 4.625%
HK$62,412
+HK$3,125/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,574/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,942 · Scale 2, in force from 26 Feb 2026)