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$28,081
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,954
−HK$888/mo
Today · 4.125%
HK$29,842
baseline
▲ 0.50% · 4.625%
HK$31,657
+HK$1,815/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$59,684/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,239
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,077
−HK$850/mo
Today · 4.125%
HK$32,927
baseline
▲ 0.50% · 4.625%
HK$34,663
+HK$1,736/mo
Deposit HK$6.16M · loan HK$6.16M · min. income ≈ HK$65,854/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,697
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,745
−HK$1,065/mo
Today · 4.125%
HK$35,810
baseline
▲ 0.50% · 4.625%
HK$37,989
+HK$2,179/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$71,620/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,487
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,493
−HK$1,020/mo
Today · 4.125%
HK$39,513
baseline
▲ 0.50% · 4.625%
HK$41,595
+HK$2,082/mo
Deposit HK$4.93M · loan HK$7.39M · min. income ≈ HK$79,026/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,313
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,536
−HK$1,242/mo
Today · 4.125%
HK$41,778
baseline
▲ 0.50% · 4.625%
HK$44,320
+HK$2,542/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,556/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,735
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,908
−HK$1,190/mo
Today · 4.125%
HK$46,098
baseline
▲ 0.50% · 4.625%
HK$48,528
+HK$2,430/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,196/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$461,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,545
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,118
−HK$1,597/mo
Today · 4.125%
HK$53,715
baseline
▲ 0.50% · 4.625%
HK$56,983
+HK$3,268/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,430/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,231
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,739
−HK$1,530/mo
Today · 4.125%
HK$59,269
baseline
▲ 0.50% · 4.625%
HK$62,393
+HK$3,124/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,538/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,802 · Scale 2, in force from 26 Feb 2026)