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$28,106
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,981
−HK$888/mo
Today · 4.125%
HK$29,869
baseline
▲ 0.50% · 4.625%
HK$31,686
+HK$1,817/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,738/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,268
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,107
−HK$850/mo
Today · 4.125%
HK$32,957
baseline
▲ 0.50% · 4.625%
HK$34,695
+HK$1,738/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,914/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$462,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,728
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,777
−HK$1,066/mo
Today · 4.125%
HK$35,843
baseline
▲ 0.50% · 4.625%
HK$38,024
+HK$2,181/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$71,686/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,522
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,528
−HK$1,021/mo
Today · 4.125%
HK$39,549
baseline
▲ 0.50% · 4.625%
HK$41,634
+HK$2,085/mo
Deposit HK$4.93M · loan HK$7.40M · min. income ≈ HK$79,098/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$462,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,349
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,573
−HK$1,244/mo
Today · 4.125%
HK$41,817
baseline
▲ 0.50% · 4.625%
HK$44,361
+HK$2,544/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$83,634/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,775
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,949
−HK$1,191/mo
Today · 4.125%
HK$46,140
baseline
▲ 0.50% · 4.625%
HK$48,573
+HK$2,433/mo
Deposit HK$3.70M · loan HK$8.63M · min. income ≈ HK$92,280/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$462,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,592
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,165
−HK$1,599/mo
Today · 4.125%
HK$53,764
baseline
▲ 0.50% · 4.625%
HK$57,036
+HK$3,272/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,528/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,283
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,792
−HK$1,531/mo
Today · 4.125%
HK$59,323
baseline
▲ 0.50% · 4.625%
HK$62,450
+HK$3,127/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,646/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$462,225 · Scale 2, in force from 26 Feb 2026)