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$27,974
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,844
−HK$884/mo
Today · 4.125%
HK$29,728
baseline
▲ 0.50% · 4.625%
HK$31,537
+HK$1,809/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,456/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,121
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,955
−HK$847/mo
Today · 4.125%
HK$32,802
baseline
▲ 0.50% · 4.625%
HK$34,531
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,604/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,569
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,613
−HK$1,061/mo
Today · 4.125%
HK$35,674
baseline
▲ 0.50% · 4.625%
HK$37,844
+HK$2,170/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,348/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,345
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,346
−HK$1,016/mo
Today · 4.125%
HK$39,362
baseline
▲ 0.50% · 4.625%
HK$41,437
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,724/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,163
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,382
−HK$1,237/mo
Today · 4.125%
HK$41,619
baseline
▲ 0.50% · 4.625%
HK$44,152
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,238/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,569
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,737
−HK$1,186/mo
Today · 4.125%
HK$45,923
baseline
▲ 0.50% · 4.625%
HK$48,343
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,846/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,353
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,919
−HK$1,591/mo
Today · 4.125%
HK$53,510
baseline
▲ 0.50% · 4.625%
HK$56,766
+HK$3,256/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,020/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,017
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,519
−HK$1,525/mo
Today · 4.125%
HK$59,044
baseline
▲ 0.50% · 4.625%
HK$62,156
+HK$3,112/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,088/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,045 · Scale 2, in force from 26 Feb 2026)