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$28,031
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,903
−HK$886/mo
Today · 4.125%
HK$29,789
baseline
▲ 0.50% · 4.625%
HK$31,602
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,578/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,184
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,021
−HK$848/mo
Today · 4.125%
HK$32,869
baseline
▲ 0.50% · 4.625%
HK$34,602
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,738/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,637
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,684
−HK$1,063/mo
Today · 4.125%
HK$35,747
baseline
▲ 0.50% · 4.625%
HK$37,922
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,494/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,421
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,425
−HK$1,018/mo
Today · 4.125%
HK$39,443
baseline
▲ 0.50% · 4.625%
HK$41,522
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,886/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,244
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,464
−HK$1,241/mo
Today · 4.125%
HK$41,705
baseline
▲ 0.50% · 4.625%
HK$44,242
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,410/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,658
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,829
−HK$1,188/mo
Today · 4.125%
HK$46,017
baseline
▲ 0.50% · 4.625%
HK$48,443
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,034/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,456
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,026
−HK$1,594/mo
Today · 4.125%
HK$53,620
baseline
▲ 0.50% · 4.625%
HK$56,883
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,240/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,132
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,637
−HK$1,528/mo
Today · 4.125%
HK$59,165
baseline
▲ 0.50% · 4.625%
HK$62,283
+HK$3,118/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,330/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,989 · Scale 2, in force from 26 Feb 2026)