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$28,065
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,938
−HK$887/mo
Today · 4.125%
HK$29,825
baseline
▲ 0.50% · 4.625%
HK$31,640
+HK$1,815/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,650/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,222
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,059
−HK$850/mo
Today · 4.125%
HK$32,909
baseline
▲ 0.50% · 4.625%
HK$34,643
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,818/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,678
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,725
−HK$1,065/mo
Today · 4.125%
HK$35,790
baseline
▲ 0.50% · 4.625%
HK$37,967
+HK$2,177/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,580/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,466
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,471
−HK$1,019/mo
Today · 4.125%
HK$39,490
baseline
▲ 0.50% · 4.625%
HK$41,572
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,980/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,291
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,513
−HK$1,242/mo
Today · 4.125%
HK$41,755
baseline
▲ 0.50% · 4.625%
HK$44,295
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,510/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,711
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,883
−HK$1,189/mo
Today · 4.125%
HK$46,072
baseline
▲ 0.50% · 4.625%
HK$48,501
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,144/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,517
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,088
−HK$1,597/mo
Today · 4.125%
HK$53,685
baseline
▲ 0.50% · 4.625%
HK$56,951
+HK$3,266/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,370/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,199
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,707
−HK$1,529/mo
Today · 4.125%
HK$59,236
baseline
▲ 0.50% · 4.625%
HK$62,358
+HK$3,122/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,472/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,542 · Scale 2, in force from 26 Feb 2026)