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$27,958
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,828
−HK$884/mo
Today · 4.125%
HK$29,712
baseline
▲ 0.50% · 4.625%
HK$31,519
+HK$1,807/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,424/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,103
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,937
−HK$847/mo
Today · 4.125%
HK$32,784
baseline
▲ 0.50% · 4.625%
HK$34,512
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,568/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,550
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,594
−HK$1,060/mo
Today · 4.125%
HK$35,654
baseline
▲ 0.50% · 4.625%
HK$37,823
+HK$2,169/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$71,308/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,324
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,325
−HK$1,015/mo
Today · 4.125%
HK$39,340
baseline
▲ 0.50% · 4.625%
HK$41,414
+HK$2,074/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$78,680/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,142
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,359
−HK$1,237/mo
Today · 4.125%
HK$41,596
baseline
▲ 0.50% · 4.625%
HK$44,127
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,192/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,545
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,712
−HK$1,185/mo
Today · 4.125%
HK$45,897
baseline
▲ 0.50% · 4.625%
HK$48,317
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,794/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,325
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,890
−HK$1,591/mo
Today · 4.125%
HK$53,481
baseline
▲ 0.50% · 4.625%
HK$56,735
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,962/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,986
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,487
−HK$1,524/mo
Today · 4.125%
HK$59,011
baseline
▲ 0.50% · 4.625%
HK$62,121
+HK$3,110/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$118,022/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,789 · Scale 2, in force from 26 Feb 2026)