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$27,963
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,833
−HK$883/mo
Today · 4.125%
HK$29,716
baseline
▲ 0.50% · 4.625%
HK$31,525
+HK$1,809/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,432/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,108
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,943
−HK$846/mo
Today · 4.125%
HK$32,789
baseline
▲ 0.50% · 4.625%
HK$34,518
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,578/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,556
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,599
−HK$1,061/mo
Today · 4.125%
HK$35,660
baseline
▲ 0.50% · 4.625%
HK$37,830
+HK$2,170/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,320/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,330
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,331
−HK$1,016/mo
Today · 4.125%
HK$39,347
baseline
▲ 0.50% · 4.625%
HK$41,421
+HK$2,074/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,694/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,148
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,366
−HK$1,237/mo
Today · 4.125%
HK$41,603
baseline
▲ 0.50% · 4.625%
HK$44,135
+HK$2,532/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,206/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,552
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,720
−HK$1,185/mo
Today · 4.125%
HK$45,905
baseline
▲ 0.50% · 4.625%
HK$48,325
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,810/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,333
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,899
−HK$1,591/mo
Today · 4.125%
HK$53,490
baseline
▲ 0.50% · 4.625%
HK$56,744
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$106,980/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,995
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,497
−HK$1,524/mo
Today · 4.125%
HK$59,021
baseline
▲ 0.50% · 4.625%
HK$62,132
+HK$3,111/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,042/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,866 · Scale 2, in force from 26 Feb 2026)