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$28,033
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,905
−HK$886/mo
Today · 4.125%
HK$29,791
baseline
▲ 0.50% · 4.625%
HK$31,604
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,582/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,187
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,023
−HK$849/mo
Today · 4.125%
HK$32,872
baseline
▲ 0.50% · 4.625%
HK$34,604
+HK$1,732/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,744/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,640
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,686
−HK$1,064/mo
Today · 4.125%
HK$35,750
baseline
▲ 0.50% · 4.625%
HK$37,925
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,500/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,424
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,428
−HK$1,018/mo
Today · 4.125%
HK$39,446
baseline
▲ 0.50% · 4.625%
HK$41,525
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,892/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,247
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,467
−HK$1,241/mo
Today · 4.125%
HK$41,708
baseline
▲ 0.50% · 4.625%
HK$44,246
+HK$2,538/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,416/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,662
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,833
−HK$1,187/mo
Today · 4.125%
HK$46,020
baseline
▲ 0.50% · 4.625%
HK$48,446
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,040/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,460
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,030
−HK$1,594/mo
Today · 4.125%
HK$53,624
baseline
▲ 0.50% · 4.625%
HK$56,887
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,248/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,136
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,642
−HK$1,527/mo
Today · 4.125%
HK$59,169
baseline
▲ 0.50% · 4.625%
HK$62,288
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,338/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,023 · Scale 2, in force from 26 Feb 2026)