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$27,903
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,771
−HK$882/mo
Today · 4.125%
HK$29,653
baseline
▲ 0.50% · 4.625%
HK$31,457
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,306/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,042
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,874
−HK$845/mo
Today · 4.125%
HK$32,719
baseline
▲ 0.50% · 4.625%
HK$34,444
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,438/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,484
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,525
−HK$1,058/mo
Today · 4.125%
HK$35,583
baseline
▲ 0.50% · 4.625%
HK$37,749
+HK$2,166/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,166/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,250
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,249
−HK$1,014/mo
Today · 4.125%
HK$39,263
baseline
▲ 0.50% · 4.625%
HK$41,332
+HK$2,069/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,526/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,064
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,279
−HK$1,235/mo
Today · 4.125%
HK$41,514
baseline
▲ 0.50% · 4.625%
HK$44,040
+HK$2,526/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,028/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,459
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,624
−HK$1,183/mo
Today · 4.125%
HK$45,807
baseline
▲ 0.50% · 4.625%
HK$48,221
+HK$2,414/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,614/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,226
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,788
−HK$1,587/mo
Today · 4.125%
HK$53,375
baseline
▲ 0.50% · 4.625%
HK$56,623
+HK$3,248/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,750/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,875
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,374
−HK$1,520/mo
Today · 4.125%
HK$58,894
baseline
▲ 0.50% · 4.625%
HK$61,999
+HK$3,105/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,788/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,882 · Scale 2, in force from 26 Feb 2026)