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$28,055
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,928
−HK$886/mo
Today · 4.125%
HK$29,814
baseline
▲ 0.50% · 4.625%
HK$31,629
+HK$1,815/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,628/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,211
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,048
−HK$849/mo
Today · 4.125%
HK$32,897
baseline
▲ 0.50% · 4.625%
HK$34,631
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,794/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,666
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,713
−HK$1,064/mo
Today · 4.125%
HK$35,777
baseline
▲ 0.50% · 4.625%
HK$37,954
+HK$2,177/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,554/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,453
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,458
−HK$1,019/mo
Today · 4.125%
HK$39,477
baseline
▲ 0.50% · 4.625%
HK$41,558
+HK$2,081/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,954/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,277
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,499
−HK$1,241/mo
Today · 4.125%
HK$41,740
baseline
▲ 0.50% · 4.625%
HK$44,280
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,480/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,695
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,867
−HK$1,189/mo
Today · 4.125%
HK$46,056
baseline
▲ 0.50% · 4.625%
HK$48,484
+HK$2,428/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,112/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,499
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,070
−HK$1,596/mo
Today · 4.125%
HK$53,666
baseline
▲ 0.50% · 4.625%
HK$56,931
+HK$3,265/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,332/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,180
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,687
−HK$1,528/mo
Today · 4.125%
HK$59,215
baseline
▲ 0.50% · 4.625%
HK$62,336
+HK$3,121/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,430/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,382 · Scale 2, in force from 26 Feb 2026)