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$27,890
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,758
−HK$881/mo
Today · 4.125%
HK$29,639
baseline
▲ 0.50% · 4.625%
HK$31,443
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,278/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,028
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,860
−HK$844/mo
Today · 4.125%
HK$32,704
baseline
▲ 0.50% · 4.625%
HK$34,428
+HK$1,724/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,408/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,469
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,510
−HK$1,057/mo
Today · 4.125%
HK$35,567
baseline
▲ 0.50% · 4.625%
HK$37,731
+HK$2,164/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,134/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,233
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,232
−HK$1,013/mo
Today · 4.125%
HK$39,245
baseline
▲ 0.50% · 4.625%
HK$41,314
+HK$2,069/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,490/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,047
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,261
−HK$1,234/mo
Today · 4.125%
HK$41,495
baseline
▲ 0.50% · 4.625%
HK$44,020
+HK$2,525/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,990/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,439
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,604
−HK$1,182/mo
Today · 4.125%
HK$45,786
baseline
▲ 0.50% · 4.625%
HK$48,199
+HK$2,413/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,572/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,203
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,764
−HK$1,587/mo
Today · 4.125%
HK$53,351
baseline
▲ 0.50% · 4.625%
HK$56,597
+HK$3,246/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,702/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,850
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,348
−HK$1,519/mo
Today · 4.125%
HK$58,867
baseline
▲ 0.50% · 4.625%
HK$61,970
+HK$3,103/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,734/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,673 · Scale 2, in force from 26 Feb 2026)