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$28,090
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,964
−HK$888/mo
Today · 4.125%
HK$29,852
baseline
▲ 0.50% · 4.625%
HK$31,668
+HK$1,816/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,704/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,250
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,088
−HK$850/mo
Today · 4.125%
HK$32,938
baseline
▲ 0.50% · 4.625%
HK$34,675
+HK$1,737/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,876/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,708
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,757
−HK$1,065/mo
Today · 4.125%
HK$35,822
baseline
▲ 0.50% · 4.625%
HK$38,002
+HK$2,180/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,644/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,500
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,506
−HK$1,020/mo
Today · 4.125%
HK$39,526
baseline
▲ 0.50% · 4.625%
HK$41,609
+HK$2,083/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,052/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,326
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,549
−HK$1,243/mo
Today · 4.125%
HK$41,792
baseline
▲ 0.50% · 4.625%
HK$44,335
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,584/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,750
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,923
−HK$1,191/mo
Today · 4.125%
HK$46,114
baseline
▲ 0.50% · 4.625%
HK$48,544
+HK$2,430/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,228/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,562
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,135
−HK$1,598/mo
Today · 4.125%
HK$53,733
baseline
▲ 0.50% · 4.625%
HK$57,002
+HK$3,269/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,466/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,250
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,759
−HK$1,530/mo
Today · 4.125%
HK$59,289
baseline
▲ 0.50% · 4.625%
HK$62,414
+HK$3,125/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,578/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,957 · Scale 2, in force from 26 Feb 2026)