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$27,960
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,830
−HK$883/mo
Today · 4.125%
HK$29,713
baseline
▲ 0.50% · 4.625%
HK$31,521
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,426/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,105
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,940
−HK$846/mo
Today · 4.125%
HK$32,786
baseline
▲ 0.50% · 4.625%
HK$34,514
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,572/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,552
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,596
−HK$1,060/mo
Today · 4.125%
HK$35,656
baseline
▲ 0.50% · 4.625%
HK$37,826
+HK$2,170/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$71,312/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,326
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,327
−HK$1,016/mo
Today · 4.125%
HK$39,343
baseline
▲ 0.50% · 4.625%
HK$41,417
+HK$2,074/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$78,686/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,144
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,362
−HK$1,237/mo
Today · 4.125%
HK$41,599
baseline
▲ 0.50% · 4.625%
HK$44,130
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,198/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,547
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,715
−HK$1,185/mo
Today · 4.125%
HK$45,900
baseline
▲ 0.50% · 4.625%
HK$48,320
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,800/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,328
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,894
−HK$1,590/mo
Today · 4.125%
HK$53,484
baseline
▲ 0.50% · 4.625%
HK$56,738
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$106,968/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,990
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,491
−HK$1,523/mo
Today · 4.125%
HK$59,014
baseline
▲ 0.50% · 4.625%
HK$62,125
+HK$3,111/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,028/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,818 · Scale 2, in force from 26 Feb 2026)