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$28,038
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,910
−HK$886/mo
Today · 4.125%
HK$29,796
baseline
▲ 0.50% · 4.625%
HK$31,610
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,592/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,192
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,029
−HK$848/mo
Today · 4.125%
HK$32,877
baseline
▲ 0.50% · 4.625%
HK$34,610
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,754/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,646
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,692
−HK$1,064/mo
Today · 4.125%
HK$35,756
baseline
▲ 0.50% · 4.625%
HK$37,931
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,512/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,431
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,435
−HK$1,018/mo
Today · 4.125%
HK$39,453
baseline
▲ 0.50% · 4.625%
HK$41,533
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,906/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,254
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,475
−HK$1,240/mo
Today · 4.125%
HK$41,715
baseline
▲ 0.50% · 4.625%
HK$44,253
+HK$2,538/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,430/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,669
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,840
−HK$1,188/mo
Today · 4.125%
HK$46,028
baseline
▲ 0.50% · 4.625%
HK$48,455
+HK$2,427/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,056/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,469
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,039
−HK$1,595/mo
Today · 4.125%
HK$53,634
baseline
▲ 0.50% · 4.625%
HK$56,897
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,268/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,146
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,652
−HK$1,527/mo
Today · 4.125%
HK$59,179
baseline
▲ 0.50% · 4.625%
HK$62,299
+HK$3,120/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,358/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,104 · Scale 2, in force from 26 Feb 2026)