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$27,961
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,831
−HK$883/mo
Today · 4.125%
HK$29,714
baseline
▲ 0.50% · 4.625%
HK$31,522
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,428/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,106
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,940
−HK$847/mo
Today · 4.125%
HK$32,787
baseline
▲ 0.50% · 4.625%
HK$34,515
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,574/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,553
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,597
−HK$1,060/mo
Today · 4.125%
HK$35,657
baseline
▲ 0.50% · 4.625%
HK$37,827
+HK$2,170/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$71,314/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,327
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,329
−HK$1,015/mo
Today · 4.125%
HK$39,344
baseline
▲ 0.50% · 4.625%
HK$41,418
+HK$2,074/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$78,688/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,145
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,363
−HK$1,237/mo
Today · 4.125%
HK$41,600
baseline
▲ 0.50% · 4.625%
HK$44,131
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,200/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,549
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,717
−HK$1,184/mo
Today · 4.125%
HK$45,901
baseline
▲ 0.50% · 4.625%
HK$48,321
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,802/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,330
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,895
−HK$1,591/mo
Today · 4.125%
HK$53,486
baseline
▲ 0.50% · 4.625%
HK$56,740
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$106,972/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,991
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,493
−HK$1,523/mo
Today · 4.125%
HK$59,016
baseline
▲ 0.50% · 4.625%
HK$62,127
+HK$3,111/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,032/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,832 · Scale 2, in force from 26 Feb 2026)