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$27,931
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,800
−HK$882/mo
Today · 4.125%
HK$29,682
baseline
▲ 0.50% · 4.625%
HK$31,488
+HK$1,806/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,364/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,073
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,906
−HK$845/mo
Today · 4.125%
HK$32,751
baseline
▲ 0.50% · 4.625%
HK$34,478
+HK$1,727/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,502/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,517
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,559
−HK$1,060/mo
Today · 4.125%
HK$35,619
baseline
▲ 0.50% · 4.625%
HK$37,786
+HK$2,167/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,238/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,287
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,287
−HK$1,015/mo
Today · 4.125%
HK$39,302
baseline
▲ 0.50% · 4.625%
HK$41,373
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,604/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,103
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,319
−HK$1,236/mo
Today · 4.125%
HK$41,555
baseline
▲ 0.50% · 4.625%
HK$44,084
+HK$2,529/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,110/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,502
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,668
−HK$1,184/mo
Today · 4.125%
HK$45,852
baseline
▲ 0.50% · 4.625%
HK$48,269
+HK$2,417/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,704/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,275
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,839
−HK$1,589/mo
Today · 4.125%
HK$53,428
baseline
▲ 0.50% · 4.625%
HK$56,679
+HK$3,251/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,856/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,931
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,431
−HK$1,521/mo
Today · 4.125%
HK$58,952
baseline
▲ 0.50% · 4.625%
HK$62,060
+HK$3,108/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,904/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,335 · Scale 2, in force from 26 Feb 2026)