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$28,027
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,899
−HK$885/mo
Today · 4.125%
HK$29,784
baseline
▲ 0.50% · 4.625%
HK$31,597
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,568/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,179
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,016
−HK$848/mo
Today · 4.125%
HK$32,864
baseline
▲ 0.50% · 4.625%
HK$34,596
+HK$1,732/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,728/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,632
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,678
−HK$1,063/mo
Today · 4.125%
HK$35,741
baseline
▲ 0.50% · 4.625%
HK$37,916
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$71,482/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,415
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,419
−HK$1,018/mo
Today · 4.125%
HK$39,437
baseline
▲ 0.50% · 4.625%
HK$41,516
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$78,874/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,237
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,458
−HK$1,240/mo
Today · 4.125%
HK$41,698
baseline
▲ 0.50% · 4.625%
HK$44,235
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,396/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,651
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,822
−HK$1,188/mo
Today · 4.125%
HK$46,010
baseline
▲ 0.50% · 4.625%
HK$48,435
+HK$2,425/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$92,020/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,448
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,017
−HK$1,595/mo
Today · 4.125%
HK$53,612
baseline
▲ 0.50% · 4.625%
HK$56,874
+HK$3,262/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,224/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,123
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,628
−HK$1,527/mo
Today · 4.125%
HK$59,155
baseline
▲ 0.50% · 4.625%
HK$62,273
+HK$3,118/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,310/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,915 · Scale 2, in force from 26 Feb 2026)