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$28,074
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,947
−HK$887/mo
Today · 4.125%
HK$29,834
baseline
▲ 0.50% · 4.625%
HK$31,649
+HK$1,815/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,668/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,232
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,069
−HK$850/mo
Today · 4.125%
HK$32,919
baseline
▲ 0.50% · 4.625%
HK$34,654
+HK$1,735/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,838/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,688
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,736
−HK$1,065/mo
Today · 4.125%
HK$35,801
baseline
▲ 0.50% · 4.625%
HK$37,979
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$71,602/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,478
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,483
−HK$1,020/mo
Today · 4.125%
HK$39,503
baseline
▲ 0.50% · 4.625%
HK$41,585
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$79,006/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,303
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,526
−HK$1,242/mo
Today · 4.125%
HK$41,768
baseline
▲ 0.50% · 4.625%
HK$44,309
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,536/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,724
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,897
−HK$1,189/mo
Today · 4.125%
HK$46,086
baseline
▲ 0.50% · 4.625%
HK$48,516
+HK$2,430/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,172/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,532
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,104
−HK$1,597/mo
Today · 4.125%
HK$53,701
baseline
▲ 0.50% · 4.625%
HK$56,969
+HK$3,268/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,402/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,217
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,725
−HK$1,529/mo
Today · 4.125%
HK$59,254
baseline
▲ 0.50% · 4.625%
HK$62,377
+HK$3,123/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,508/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,685 · Scale 2, in force from 26 Feb 2026)