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$28,047
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,920
−HK$886/mo
Today · 4.125%
HK$29,806
baseline
▲ 0.50% · 4.625%
HK$31,619
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,612/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,202
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,039
−HK$849/mo
Today · 4.125%
HK$32,888
baseline
▲ 0.50% · 4.625%
HK$34,621
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,776/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,656
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,703
−HK$1,064/mo
Today · 4.125%
HK$35,767
baseline
▲ 0.50% · 4.625%
HK$37,943
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,534/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,443
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,447
−HK$1,018/mo
Today · 4.125%
HK$39,465
baseline
▲ 0.50% · 4.625%
HK$41,546
+HK$2,081/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,930/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,266
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,487
−HK$1,241/mo
Today · 4.125%
HK$41,728
baseline
▲ 0.50% · 4.625%
HK$44,267
+HK$2,539/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,456/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,683
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,854
−HK$1,189/mo
Today · 4.125%
HK$46,043
baseline
▲ 0.50% · 4.625%
HK$48,470
+HK$2,427/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,086/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,485
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,055
−HK$1,596/mo
Today · 4.125%
HK$53,651
baseline
▲ 0.50% · 4.625%
HK$56,915
+HK$3,264/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,302/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,164
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,670
−HK$1,528/mo
Today · 4.125%
HK$59,198
baseline
▲ 0.50% · 4.625%
HK$62,319
+HK$3,121/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,396/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,249 · Scale 2, in force from 26 Feb 2026)