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$27,970
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,840
−HK$884/mo
Today · 4.125%
HK$29,724
baseline
▲ 0.50% · 4.625%
HK$31,533
+HK$1,809/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,448/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,116
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,951
−HK$846/mo
Today · 4.125%
HK$32,797
baseline
▲ 0.50% · 4.625%
HK$34,526
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,594/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,564
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,608
−HK$1,061/mo
Today · 4.125%
HK$35,669
baseline
▲ 0.50% · 4.625%
HK$37,839
+HK$2,170/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,338/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,340
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,341
−HK$1,016/mo
Today · 4.125%
HK$39,357
baseline
▲ 0.50% · 4.625%
HK$41,431
+HK$2,074/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,714/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,158
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,376
−HK$1,237/mo
Today · 4.125%
HK$41,613
baseline
▲ 0.50% · 4.625%
HK$44,146
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,226/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,563
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,731
−HK$1,185/mo
Today · 4.125%
HK$45,916
baseline
▲ 0.50% · 4.625%
HK$48,337
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,832/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,346
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,912
−HK$1,591/mo
Today · 4.125%
HK$53,503
baseline
▲ 0.50% · 4.625%
HK$56,759
+HK$3,256/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,006/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,009
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,511
−HK$1,524/mo
Today · 4.125%
HK$59,035
baseline
▲ 0.50% · 4.625%
HK$62,147
+HK$3,112/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,070/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,981 · Scale 2, in force from 26 Feb 2026)