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$28,025
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$885/mo
Today · 4.125%
HK$29,782
baseline
▲ 0.50% · 4.625%
HK$31,594
+HK$1,812/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,564/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,177
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,014
−HK$848/mo
Today · 4.125%
HK$32,862
baseline
▲ 0.50% · 4.625%
HK$34,594
+HK$1,732/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,724/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,630
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,676
−HK$1,063/mo
Today · 4.125%
HK$35,739
baseline
▲ 0.50% · 4.625%
HK$37,913
+HK$2,174/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$71,478/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,413
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,416
−HK$1,018/mo
Today · 4.125%
HK$39,434
baseline
▲ 0.50% · 4.625%
HK$41,513
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$78,868/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,235
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,455
−HK$1,240/mo
Today · 4.125%
HK$41,695
baseline
▲ 0.50% · 4.625%
HK$44,232
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,390/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,648
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,819
−HK$1,187/mo
Today · 4.125%
HK$46,006
baseline
▲ 0.50% · 4.625%
HK$48,432
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$92,012/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,445
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,014
−HK$1,594/mo
Today · 4.125%
HK$53,608
baseline
▲ 0.50% · 4.625%
HK$56,870
+HK$3,262/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,216/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,119
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,624
−HK$1,527/mo
Today · 4.125%
HK$59,151
baseline
▲ 0.50% · 4.625%
HK$62,269
+HK$3,118/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,302/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,884 · Scale 2, in force from 26 Feb 2026)