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$28,032
−HK$1,757/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$460,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,185
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,021
−HK$849/mo
Today · 4.125%
HK$32,870
baseline
▲ 0.50% · 4.625%
HK$34,602
+HK$1,732/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,740/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,638
−HK$2,109/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$460,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,422
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,425
−HK$1,019/mo
Today · 4.125%
HK$39,444
baseline
▲ 0.50% · 4.625%
HK$41,523
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,888/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,244
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,465
−HK$1,240/mo
Today · 4.125%
HK$41,705
baseline
▲ 0.50% · 4.625%
HK$44,243
+HK$2,538/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$460,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,659
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,830
−HK$1,187/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$460,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,457
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,026
−HK$1,595/mo
Today · 4.125%
HK$53,621
baseline
▲ 0.50% · 4.625%
HK$56,884
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,242/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,133
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,638
−HK$1,527/mo
Today · 4.125%
HK$59,165
baseline
▲ 0.50% · 4.625%
HK$62,284
+HK$3,119/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$460,994 · Scale 2, in force from 26 Feb 2026)