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$28,076
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,950
−HK$887/mo
Today · 4.125%
HK$29,837
baseline
▲ 0.50% · 4.625%
HK$31,652
+HK$1,815/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,674/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,235
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,072
−HK$850/mo
Today · 4.125%
HK$32,922
baseline
▲ 0.50% · 4.625%
HK$34,657
+HK$1,735/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,844/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,692
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,740
−HK$1,064/mo
Today · 4.125%
HK$35,804
baseline
▲ 0.50% · 4.625%
HK$37,983
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,608/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,481
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,487
−HK$1,019/mo
Today · 4.125%
HK$39,506
baseline
▲ 0.50% · 4.625%
HK$41,589
+HK$2,083/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,012/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,307
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,529
−HK$1,243/mo
Today · 4.125%
HK$41,772
baseline
▲ 0.50% · 4.625%
HK$44,313
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,544/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,728
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,901
−HK$1,190/mo
Today · 4.125%
HK$46,091
baseline
▲ 0.50% · 4.625%
HK$48,520
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,182/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,537
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,109
−HK$1,597/mo
Today · 4.125%
HK$53,706
baseline
▲ 0.50% · 4.625%
HK$56,974
+HK$3,268/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,412/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,222
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,730
−HK$1,530/mo
Today · 4.125%
HK$59,260
baseline
▲ 0.50% · 4.625%
HK$62,383
+HK$3,123/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,520/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,729 · Scale 2, in force from 26 Feb 2026)