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$27,928
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,797
−HK$882/mo
Today · 4.125%
HK$29,679
baseline
▲ 0.50% · 4.625%
HK$31,485
+HK$1,806/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,358/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,070
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,903
−HK$845/mo
Today · 4.125%
HK$32,748
baseline
▲ 0.50% · 4.625%
HK$34,474
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,496/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,514
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,556
−HK$1,059/mo
Today · 4.125%
HK$35,615
baseline
▲ 0.50% · 4.625%
HK$37,782
+HK$2,167/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,230/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,284
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,283
−HK$1,015/mo
Today · 4.125%
HK$39,298
baseline
▲ 0.50% · 4.625%
HK$41,369
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,596/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,099
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,315
−HK$1,236/mo
Today · 4.125%
HK$41,551
baseline
▲ 0.50% · 4.625%
HK$44,079
+HK$2,528/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,102/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,497
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,664
−HK$1,184/mo
Today · 4.125%
HK$45,848
baseline
▲ 0.50% · 4.625%
HK$48,264
+HK$2,416/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,696/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,270
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,834
−HK$1,589/mo
Today · 4.125%
HK$53,423
baseline
▲ 0.50% · 4.625%
HK$56,673
+HK$3,250/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,846/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,925
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,425
−HK$1,522/mo
Today · 4.125%
HK$58,947
baseline
▲ 0.50% · 4.625%
HK$62,054
+HK$3,107/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,894/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,291 · Scale 2, in force from 26 Feb 2026)