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$28,088
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,962
−HK$888/mo
Today · 4.125%
HK$29,850
baseline
▲ 0.50% · 4.625%
HK$31,666
+HK$1,816/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,700/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,248
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,086
−HK$850/mo
Today · 4.125%
HK$32,936
baseline
▲ 0.50% · 4.625%
HK$34,672
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,872/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,706
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,755
−HK$1,065/mo
Today · 4.125%
HK$35,820
baseline
▲ 0.50% · 4.625%
HK$37,999
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,640/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,498
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,503
−HK$1,021/mo
Today · 4.125%
HK$39,524
baseline
▲ 0.50% · 4.625%
HK$41,607
+HK$2,083/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,048/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,324
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,547
−HK$1,243/mo
Today · 4.125%
HK$41,790
baseline
▲ 0.50% · 4.625%
HK$44,333
+HK$2,543/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$83,580/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,747
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,921
−HK$1,190/mo
Today · 4.125%
HK$46,111
baseline
▲ 0.50% · 4.625%
HK$48,541
+HK$2,430/mo
Deposit HK$3.70M · loan HK$8.62M · min. income ≈ HK$92,222/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,559
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,132
−HK$1,598/mo
Today · 4.125%
HK$53,730
baseline
▲ 0.50% · 4.625%
HK$56,999
+HK$3,269/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$107,460/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,247
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,755
−HK$1,530/mo
Today · 4.125%
HK$59,285
baseline
▲ 0.50% · 4.625%
HK$62,410
+HK$3,125/mo
Deposit HK$1.23M · loan HK$11.09M · min. income ≈ HK$118,570/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,929 · Scale 2, in force from 26 Feb 2026)