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$28,075
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,949
−HK$887/mo
Today · 4.125%
HK$29,836
baseline
▲ 0.50% · 4.625%
HK$31,651
+HK$1,815/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,672/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,234
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,071
−HK$850/mo
Today · 4.125%
HK$32,921
baseline
▲ 0.50% · 4.625%
HK$34,656
+HK$1,735/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,842/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,690
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,738
−HK$1,065/mo
Today · 4.125%
HK$35,803
baseline
▲ 0.50% · 4.625%
HK$37,982
+HK$2,179/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$71,606/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,480
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,485
−HK$1,020/mo
Today · 4.125%
HK$39,505
baseline
▲ 0.50% · 4.625%
HK$41,588
+HK$2,083/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$79,010/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,306
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,528
−HK$1,242/mo
Today · 4.125%
HK$41,770
baseline
▲ 0.50% · 4.625%
HK$44,312
+HK$2,542/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,540/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,727
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,900
−HK$1,189/mo
Today · 4.125%
HK$46,089
baseline
▲ 0.50% · 4.625%
HK$48,519
+HK$2,430/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,178/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,536
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,108
−HK$1,597/mo
Today · 4.125%
HK$53,705
baseline
▲ 0.50% · 4.625%
HK$56,973
+HK$3,268/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,410/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,220
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,728
−HK$1,530/mo
Today · 4.125%
HK$59,258
baseline
▲ 0.50% · 4.625%
HK$62,381
+HK$3,123/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,516/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,715 · Scale 2, in force from 26 Feb 2026)