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$28,098
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,972
−HK$888/mo
Today · 4.125%
HK$29,860
baseline
▲ 0.50% · 4.625%
HK$31,677
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,720/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,259
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,097
−HK$851/mo
Today · 4.125%
HK$32,948
baseline
▲ 0.50% · 4.625%
HK$34,684
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,896/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$462,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,718
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,767
−HK$1,065/mo
Today · 4.125%
HK$35,832
baseline
▲ 0.50% · 4.625%
HK$38,012
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,664/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,511
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,517
−HK$1,020/mo
Today · 4.125%
HK$39,537
baseline
▲ 0.50% · 4.625%
HK$41,621
+HK$2,084/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,074/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,337
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,561
−HK$1,243/mo
Today · 4.125%
HK$41,804
baseline
▲ 0.50% · 4.625%
HK$44,348
+HK$2,544/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,608/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,762
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,936
−HK$1,191/mo
Today · 4.125%
HK$46,127
baseline
▲ 0.50% · 4.625%
HK$48,558
+HK$2,431/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,254/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,577
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,150
−HK$1,598/mo
Today · 4.125%
HK$53,748
baseline
▲ 0.50% · 4.625%
HK$57,019
+HK$3,271/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,496/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,266
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,775
−HK$1,531/mo
Today · 4.125%
HK$59,306
baseline
▲ 0.50% · 4.625%
HK$62,432
+HK$3,126/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,612/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,089 · Scale 2, in force from 26 Feb 2026)