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$27,921
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,790
−HK$882/mo
Today · 4.125%
HK$29,672
baseline
▲ 0.50% · 4.625%
HK$31,477
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,344/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,062
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,895
−HK$845/mo
Today · 4.125%
HK$32,740
baseline
▲ 0.50% · 4.625%
HK$34,466
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,480/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,505
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,548
−HK$1,058/mo
Today · 4.125%
HK$35,606
baseline
▲ 0.50% · 4.625%
HK$37,773
+HK$2,167/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,212/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,274
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,274
−HK$1,014/mo
Today · 4.125%
HK$39,288
baseline
▲ 0.50% · 4.625%
HK$41,359
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,576/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,090
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,305
−HK$1,236/mo
Today · 4.125%
HK$41,541
baseline
▲ 0.50% · 4.625%
HK$44,068
+HK$2,527/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,082/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,487
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,653
−HK$1,183/mo
Today · 4.125%
HK$45,836
baseline
▲ 0.50% · 4.625%
HK$48,252
+HK$2,416/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,672/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,258
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,821
−HK$1,589/mo
Today · 4.125%
HK$53,410
baseline
▲ 0.50% · 4.625%
HK$56,659
+HK$3,249/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,820/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,912
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,411
−HK$1,521/mo
Today · 4.125%
HK$58,932
baseline
▲ 0.50% · 4.625%
HK$62,039
+HK$3,107/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,864/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,178 · Scale 2, in force from 26 Feb 2026)