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$27,965
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,834
−HK$884/mo
Today · 4.125%
HK$29,718
baseline
▲ 0.50% · 4.625%
HK$31,527
+HK$1,809/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,436/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,110
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,945
−HK$846/mo
Today · 4.125%
HK$32,791
baseline
▲ 0.50% · 4.625%
HK$34,520
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,582/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,558
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,601
−HK$1,061/mo
Today · 4.125%
HK$35,662
baseline
▲ 0.50% · 4.625%
HK$37,832
+HK$2,170/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,324/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,332
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,334
−HK$1,015/mo
Today · 4.125%
HK$39,349
baseline
▲ 0.50% · 4.625%
HK$41,424
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,698/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,150
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,368
−HK$1,238/mo
Today · 4.125%
HK$41,606
baseline
▲ 0.50% · 4.625%
HK$44,137
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,212/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,554
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,723
−HK$1,185/mo
Today · 4.125%
HK$45,908
baseline
▲ 0.50% · 4.625%
HK$48,327
+HK$2,419/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,816/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,336
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,902
−HK$1,591/mo
Today · 4.125%
HK$53,493
baseline
▲ 0.50% · 4.625%
HK$56,748
+HK$3,255/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$106,986/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,999
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,500
−HK$1,524/mo
Today · 4.125%
HK$59,024
baseline
▲ 0.50% · 4.625%
HK$62,135
+HK$3,111/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,048/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,893 · Scale 2, in force from 26 Feb 2026)