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$27,956
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,825
−HK$884/mo
Today · 4.125%
HK$29,709
baseline
▲ 0.50% · 4.625%
HK$31,517
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,418/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,101
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,935
−HK$846/mo
Today · 4.125%
HK$32,781
baseline
▲ 0.50% · 4.625%
HK$34,509
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,562/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,547
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,590
−HK$1,061/mo
Today · 4.125%
HK$35,651
baseline
▲ 0.50% · 4.625%
HK$37,820
+HK$2,169/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$71,302/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,321
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,322
−HK$1,015/mo
Today · 4.125%
HK$39,337
baseline
▲ 0.50% · 4.625%
HK$41,410
+HK$2,073/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$78,674/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,138
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,356
−HK$1,236/mo
Today · 4.125%
HK$41,592
baseline
▲ 0.50% · 4.625%
HK$44,123
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,184/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,541
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,708
−HK$1,185/mo
Today · 4.125%
HK$45,893
baseline
▲ 0.50% · 4.625%
HK$48,312
+HK$2,419/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,786/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,320
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,886
−HK$1,590/mo
Today · 4.125%
HK$53,476
baseline
▲ 0.50% · 4.625%
HK$56,730
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,952/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,981
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,482
−HK$1,523/mo
Today · 4.125%
HK$59,005
baseline
▲ 0.50% · 4.625%
HK$62,116
+HK$3,111/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$118,010/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,748 · Scale 2, in force from 26 Feb 2026)