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$27,892
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,759
−HK$882/mo
Today · 4.125%
HK$29,641
baseline
▲ 0.50% · 4.625%
HK$31,444
+HK$1,803/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,282/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,029
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,862
−HK$844/mo
Today · 4.125%
HK$32,706
baseline
▲ 0.50% · 4.625%
HK$34,430
+HK$1,724/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,412/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,470
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,511
−HK$1,058/mo
Today · 4.125%
HK$35,569
baseline
▲ 0.50% · 4.625%
HK$37,733
+HK$2,164/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,138/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,235
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,234
−HK$1,013/mo
Today · 4.125%
HK$39,247
baseline
▲ 0.50% · 4.625%
HK$41,316
+HK$2,069/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,494/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,049
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,263
−HK$1,234/mo
Today · 4.125%
HK$41,497
baseline
▲ 0.50% · 4.625%
HK$44,022
+HK$2,525/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,994/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,441
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,606
−HK$1,182/mo
Today · 4.125%
HK$45,788
baseline
▲ 0.50% · 4.625%
HK$48,202
+HK$2,414/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,576/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,205
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,767
−HK$1,587/mo
Today · 4.125%
HK$53,354
baseline
▲ 0.50% · 4.625%
HK$56,600
+HK$3,246/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,708/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,853
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,351
−HK$1,519/mo
Today · 4.125%
HK$58,870
baseline
▲ 0.50% · 4.625%
HK$61,974
+HK$3,104/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,740/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,696 · Scale 2, in force from 26 Feb 2026)