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$27,943
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,813
−HK$883/mo
Today · 4.125%
HK$29,696
baseline
▲ 0.50% · 4.625%
HK$31,503
+HK$1,807/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,392/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,087
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,920
−HK$846/mo
Today · 4.125%
HK$32,766
baseline
▲ 0.50% · 4.625%
HK$34,493
+HK$1,727/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,532/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,532
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,575
−HK$1,060/mo
Today · 4.125%
HK$35,635
baseline
▲ 0.50% · 4.625%
HK$37,803
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,270/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,304
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,305
−HK$1,014/mo
Today · 4.125%
HK$39,319
baseline
▲ 0.50% · 4.625%
HK$41,392
+HK$2,073/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,638/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,121
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,338
−HK$1,236/mo
Today · 4.125%
HK$41,574
baseline
▲ 0.50% · 4.625%
HK$44,104
+HK$2,530/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,148/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,521
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,689
−HK$1,184/mo
Today · 4.125%
HK$45,873
baseline
▲ 0.50% · 4.625%
HK$48,291
+HK$2,418/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,746/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,298
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,863
−HK$1,589/mo
Today · 4.125%
HK$53,452
baseline
▲ 0.50% · 4.625%
HK$56,705
+HK$3,253/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,904/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,956
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,457
−HK$1,522/mo
Today · 4.125%
HK$58,979
baseline
▲ 0.50% · 4.625%
HK$62,088
+HK$3,109/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,958/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,544 · Scale 2, in force from 26 Feb 2026)