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$28,041
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,913
−HK$887/mo
Today · 4.125%
HK$29,800
baseline
▲ 0.50% · 4.625%
HK$31,613
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,600/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,196
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,032
−HK$849/mo
Today · 4.125%
HK$32,881
baseline
▲ 0.50% · 4.625%
HK$34,614
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,762/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,649
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,696
−HK$1,064/mo
Today · 4.125%
HK$35,760
baseline
▲ 0.50% · 4.625%
HK$37,935
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,520/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,435
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,439
−HK$1,018/mo
Today · 4.125%
HK$39,457
baseline
▲ 0.50% · 4.625%
HK$41,537
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,914/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,258
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,479
−HK$1,241/mo
Today · 4.125%
HK$41,720
baseline
▲ 0.50% · 4.625%
HK$44,258
+HK$2,538/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,440/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,674
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,845
−HK$1,188/mo
Today · 4.125%
HK$46,033
baseline
▲ 0.50% · 4.625%
HK$48,460
+HK$2,427/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,066/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,474
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,044
−HK$1,595/mo
Today · 4.125%
HK$53,639
baseline
▲ 0.50% · 4.625%
HK$56,903
+HK$3,264/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,278/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,152
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,658
−HK$1,528/mo
Today · 4.125%
HK$59,186
baseline
▲ 0.50% · 4.625%
HK$62,306
+HK$3,120/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,372/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,153 · Scale 2, in force from 26 Feb 2026)