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$28,038
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,910
−HK$886/mo
Today · 4.125%
HK$29,796
baseline
▲ 0.50% · 4.625%
HK$31,609
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,592/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,192
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,028
−HK$849/mo
Today · 4.125%
HK$32,877
baseline
▲ 0.50% · 4.625%
HK$34,610
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,754/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,645
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,692
−HK$1,063/mo
Today · 4.125%
HK$35,755
baseline
▲ 0.50% · 4.625%
HK$37,931
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,510/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,430
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,434
−HK$1,018/mo
Today · 4.125%
HK$39,452
baseline
▲ 0.50% · 4.625%
HK$41,532
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,904/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,253
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,474
−HK$1,240/mo
Today · 4.125%
HK$41,714
baseline
▲ 0.50% · 4.625%
HK$44,253
+HK$2,539/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,428/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,668
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,840
−HK$1,188/mo
Today · 4.125%
HK$46,028
baseline
▲ 0.50% · 4.625%
HK$48,454
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,056/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,468
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,038
−HK$1,595/mo
Today · 4.125%
HK$53,633
baseline
▲ 0.50% · 4.625%
HK$56,896
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,266/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,145
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,651
−HK$1,527/mo
Today · 4.125%
HK$59,178
baseline
▲ 0.50% · 4.625%
HK$62,298
+HK$3,120/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,356/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,096 · Scale 2, in force from 26 Feb 2026)