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$1,761/mo
▼ 0.25% · 3.875%
HK$28,947
−HK$888/mo
Today · 4.125%
HK$29,835
baseline
▲ 0.50% · 4.625%
HK$31,650
+HK$1,815/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,670/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,232
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,070
−HK$850/mo
Today · 4.125%
HK$32,920
baseline
▲ 0.50% · 4.625%
HK$34,655
+HK$1,735/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,840/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,689
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,737
−HK$1,065/mo
Today · 4.125%
HK$35,802
baseline
▲ 0.50% · 4.625%
HK$37,980
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$71,604/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,479
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,484
−HK$1,020/mo
Today · 4.125%
HK$39,504
baseline
▲ 0.50% · 4.625%
HK$41,586
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$79,008/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,304
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,526
−HK$1,243/mo
Today · 4.125%
HK$41,769
baseline
▲ 0.50% · 4.625%
HK$44,310
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,538/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,725
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,898
−HK$1,190/mo
Today · 4.125%
HK$46,088
baseline
▲ 0.50% · 4.625%
HK$48,517
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,176/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,534
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,105
−HK$1,597/mo
Today · 4.125%
HK$53,702
baseline
▲ 0.50% · 4.625%
HK$56,970
+HK$3,268/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,404/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,218
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,726
−HK$1,529/mo
Today · 4.125%
HK$59,255
baseline
▲ 0.50% · 4.625%
HK$62,379
+HK$3,124/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,510/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,695 · Scale 2, in force from 26 Feb 2026)