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$28,071
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,944
−HK$888/mo
Today · 4.125%
HK$29,832
baseline
▲ 0.50% · 4.625%
HK$31,647
+HK$1,815/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,664/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,229
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,066
−HK$850/mo
Today · 4.125%
HK$32,916
baseline
▲ 0.50% · 4.625%
HK$34,651
+HK$1,735/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,832/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,685
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,733
−HK$1,065/mo
Today · 4.125%
HK$35,798
baseline
▲ 0.50% · 4.625%
HK$37,976
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$71,596/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,475
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,480
−HK$1,019/mo
Today · 4.125%
HK$39,499
baseline
▲ 0.50% · 4.625%
HK$41,581
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$78,998/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,300
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,522
−HK$1,242/mo
Today · 4.125%
HK$41,764
baseline
▲ 0.50% · 4.625%
HK$44,305
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,528/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,721
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,893
−HK$1,190/mo
Today · 4.125%
HK$46,083
baseline
▲ 0.50% · 4.625%
HK$48,512
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,166/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,528
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,100
−HK$1,597/mo
Today · 4.125%
HK$53,697
baseline
▲ 0.50% · 4.625%
HK$56,964
+HK$3,267/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,394/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,212
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,720
−HK$1,529/mo
Today · 4.125%
HK$59,249
baseline
▲ 0.50% · 4.625%
HK$62,372
+HK$3,123/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,498/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,646 · Scale 2, in force from 26 Feb 2026)