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$28,039
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,912
−HK$886/mo
Today · 4.125%
HK$29,798
baseline
▲ 0.50% · 4.625%
HK$31,611
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,596/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,193
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,030
−HK$849/mo
Today · 4.125%
HK$32,879
baseline
▲ 0.50% · 4.625%
HK$34,612
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,758/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,647
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,694
−HK$1,063/mo
Today · 4.125%
HK$35,757
baseline
▲ 0.50% · 4.625%
HK$37,933
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,514/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,432
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,436
−HK$1,018/mo
Today · 4.125%
HK$39,454
baseline
▲ 0.50% · 4.625%
HK$41,534
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,908/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,255
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,476
−HK$1,241/mo
Today · 4.125%
HK$41,717
baseline
▲ 0.50% · 4.625%
HK$44,255
+HK$2,538/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,434/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,671
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,842
−HK$1,188/mo
Today · 4.125%
HK$46,030
baseline
▲ 0.50% · 4.625%
HK$48,457
+HK$2,427/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,060/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,471
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,041
−HK$1,595/mo
Today · 4.125%
HK$53,636
baseline
▲ 0.50% · 4.625%
HK$56,899
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,272/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,148
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,654
−HK$1,528/mo
Today · 4.125%
HK$59,182
baseline
▲ 0.50% · 4.625%
HK$62,301
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,364/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,122 · Scale 2, in force from 26 Feb 2026)